Insurance & Loan Protections
Protect What Matters. Protect What You’ve Worked For.
Life can be unpredictable. An unexpected accident, vehicle breakdown, or change in circumstances can create financial stress when you least expect it.
At South Texas Federal Credit Union, we offer a variety of insurance and loan protection options designed to help give you and your family added financial protection and peace of mind.
Explore the protection options available to you below.
There’s nothing like the feeling that you can handle anything that comes your way, and TruStage Insurance helps you get there. They’re made available through the companies of the CUNA Mutual Group and Liberty Mutual, working with America’s credit unions and credit union members like you since 1935. We’re committed to providing insurance and investment products that make sense for you, your life, and your budget. And we’re always here to help.
TruStage™ is the marketing brand for Accidental Death & Dismemberment Insurance issued by CMFG Life Insurance Company aka CUNA Mutual Insurance Society, Waverly, IA. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by credit unions.
Accidental Death & Dismemberment Insurance
Help Protect Your Family From the Unexpected
An accident can change everything in an instant. Accidental Death & Dismemberment (AD&D) Insurance can provide financial protection if you experience a covered accidental death or serious injury.
For an affordable rate, you may be eligible for up to $300,000 in coverage, with no medical exam required and guaranteed coverage as long as premiums are paid.
AD&D Insurance May Include:
- Affordable premiums
- Family plans that can cover you, your spouse, and children
- Double benefit payment for a covered loss while riding as a passenger on public transportation
- Built-in inflation protection
- College funding assistance following a covered accident
- Coverage for the loss of a limb, sight, or hearing resulting from an accidentLearn more about AD&D Insurance and see how coverage may fit your needs.
GAP Insurance
Don’t Let Your Auto Loan Fall Through the Gap
Your vehicle may lose value faster than you pay down your auto loan. If your vehicle is stolen or totaled in an accident, your primary auto insurance settlement may not be enough to pay off your remaining loan balance.
GAP Plus can help cover the difference between your primary insurance settlement and what you still owe on your vehicle loan.
GAP Plus May Also Provide:
- Cancellation of the remaining loan balance difference, subject to the terms of your GAP coverage
- $1,000 toward your next South Texas FCU loan when you purchase a replacement vehicle within 90 days of your primary insurance settlement following a covered theft or total loss
GAP Plus can provide an added layer of protection and help you prepare for the unexpected.
Ask us about GAP Plus when financing your next vehicle.
Auto Exam Vehicle Protection (Mechanical Repair Coverage)
Protect Yourself From Future Vehicle Repair Costs
When you own a vehicle, there’s always a chance of an unexpected mechanical breakdown—and repairs can be expensive.
Auto Exam Vehicle Protection can help protect you from the high cost of covered vehicle repairs and help keep your vehicle on the road longer.
With a vehicle service contract from Vision Warranty Corporation, you can add protection against unexpected repair costs that could otherwise put a strain on your budget.
Benefits Included on All Plans
24-Hour Roadside Assistance, including:
- Towing and wrecker service
- Gasoline delivery
- Flat-tire change
- Battery jump-start service (excludes Hybrid/EV battery)
- Lockout services
Why Consider Vehicle Protection?A major vehicle repair can be an unexpected expense. Auto Exam Vehicle Protection can help provide coverage for eligible repairs and additional benefits designed to help you when you need them most.
Credit Life & Disability Insurance
Protect Your Loan When Life Takes an Unexpected Turn
When you take out a loan with South Texas FCU, you may have the option to add Credit Life and/or Credit Disability Insurance.
If something unexpected happens to you, this coverage may help make your loan payments in the event of a covered disability or death—helping reduce the financial burden on you or your loved ones.
Financial Protection That Fits Your Needs
- Easy application
- No medical exam required
- Coverage designed to fit your needs and budget
- Cost can be included in your loan payment
- Completely voluntary
- Will not affect your loan approval
Talk to your loan representative to learn more about Credit Life & Disability Insurance and determine whether it may be right for you.
Disclosure: CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Group Policy for full explanation of the terms. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MPOE-CC-POL; CI-MP-OE-POL; B3a-800-0992.
