Do I need Life Insurance?
If you have a family, or someone who depends on you financially, the answer is probably ‘yes.’ Life insurance helps protect your loved ones, no matter what. Whether the money is used to replace your income, cover funeral expenses, pay off debt or provide for educational expenses, life insurance help give your family financial security when they need it most. Having the right life insurance is essential to planning for today and into the future. Not only can it help provide financial protection for your family, but many life insurance options also offer other benefits and investment opportunities you can take advantage of as part of your financial plan.
Permanent Life Insurance
A permanent life policy covers you throughout your lifetime and includes whole life, universal life, and variable universal life. Consider a permanent life insurance option if:
- You want to purchase coverage that will not expire as you get
older and last throughout your lifetime.
- You value the benefit of building cash value with your life
- You do not want your premiums to increase.
- Flexibility and options are important to you.
Term Life Insurance
Term life is a cost-effective form of life insurance offering coverage for a specified period of time. This type of policy may allow you to convert to a permanent policy should your needs change in the future. Consider a term life insurance option if:
- You are looking for an affordable life insurance option that provides maximum coverage.
- Your protection needs include paying for large expenses such as your child’s education or a mortgage.
- You want to purchase a supplemental policy, for adding protection above your permanent life insurance.
Accidental Death & Dismemberment
$1000 of TruStage® Accidental Death and Dismemberment Insurance Coverage at No Cost1.
A benefit of credit union membership is a no-cost TruStage Accidental Death and Dismemberment(AD&D) insurance policy from CMFG Life Insurance Company. AD&Dcoverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life.
To receive $1000 of AD&D coverage at no cost or obligation, all you need to do is claim it.
In addition to your no-cost coverage, you may want to consider strengthening your protection with higher levels of AD&D insurance. Why? Because $100,000 in coverage can cost about $10-$15 a month and can be an affordable way to help protect your family from the lasting impact of accidental death or serious, permanent injury. And, acceptance is guaranteed. There are no medical questions or health exam.
Take advantage of your credit union membership.
Insurance your way. Make the most of your credit union membership with discounts from the TruStage® Auto & Home Insurance Program2. Working with carefully selected well-know companies, you can expect top-notch service and solid value. It's easy to get a quote and make the switch. Even if you're currently covered with another company, you won't lose a penny. It’s time for auto insurance the credit union way!
Disability insurance is intended to cover your loss of income if you are unable to work. Statistics show that 25% of individuals will experience some type of disability lasting over three months before retirement. Make sure you and your family are protected. Talk with one of our wealth advisors about adding a policy to your financial plan.
Accidents are the leading cause of death for those under the age of 44. Sign up now for your no-cost or additional AD&D insurance protection now.
*Interra Investment Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No financial institution guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.**Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options and other important aspects between your employer sponsored retirement account and an IRA. FR-2099090.1-0418-0520
1TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
2TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.