Florida Department of Transportation Credit Union
INSURANCE SERVICES

We are committed to creating financial security for all of our members. That means offering insurance to help you protect your family's future as well. We are committed to creating financial security for all of our members. That means offering insurance to help you protect your family's future as well.


TruStage Auto Insurance Program

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

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TruStage Life Insurance Program

We offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage.

Learn about this important coverage or call 1-855-612-7909 for more information.

TruStage Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guatanteed by your credit union.

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Payment Protection - Credit Disability & Credit Life Insurance

There’s no way to predict an injury, illness or an unexpected life event, but you can take steps along the way to protect your family if the unforeseen were to happen. MEMBER’S CHOICE® Credit Life and Credit Disability Insurance plans offer loan-specific coverage.

  • MEMBER’S CHOICE® Credit Life Insurance is a voluntary coverage available to protect your insured loan(s) in the event an unexpected life event occurs. A covered life event will include not only death, but also the certified diagnosis of a terminal illness and accidental dismemberment.

  • MEMBER’S CHOICE® Credit Disability Insurance is a voluntary coverage designed to help make monthly loan payments, up to the maximum limit, should you become totally disabled due to a covered sickness or accident.

For additional information about this protection, please contact a credit union representative today.

Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company 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 a full explanation of the terms. CDCL-1289855.1-0915-1017.

 


MBP – Mechanical Breakdown Protection (Extended Warranty)

Did you know that one in three vehicles experience a mechanical failure in a given year, and the typical warranty owner will make several claims during the life of their agreement?  Should your vehicle experience a failure after the manufacturer's warranty expires, without an extended warranty you will have no protection from the unexpected repair costs that can easily be in the thousands of dollars!

With our MBP, you can not only save thousands of dollars on such repairs but you can also save 30-50% on the cost of our protection compared with that of the dealer’s, all while enjoying a low or no per-visit deductible. Plus, you save valuable time as well with the ability to take your vehicle to any licensed repair facility in the US and Canada.

Click here for more information and to check your eligibility and pricing for this product.


GAP – Guaranteed Asset Protection

We Offer GAP – For the Unexpected!

Vehicle prices continue to increase, yet at the same time loan terms are getting longer and down payments are getting smaller. What does this mean for you?  It means that your vehicle’s loan balance is significantly higher than what the car is worth, especially during the first few years of the loan, and if your vehicle is totaled or stolen you could be stuck paying a multi-thousand dollar deficiency balance, or “gap,” between what your insurance covers and what you still owe on your loan.

Not to worry!  We have a product that will prevent you from having to cover the cost of your totaled car: Guaranteed Asset Protection, or GAP. GAP eliminates the potential for loss in the event your vehicle is totaled or stolen and protects you from incurring such a large financial loss.

In addition to the protection GAP offers, our program has the following advantages:

  • GAP is inexpensive.
  • Filing a claim is quick and easy.
  • Enrollment is easy and coverage begins immediately.
  • Coverage is offered for a variety of vehicle types, new and used.
  • Up to $1,000 of your insurance deductible is covered, as part of the deficiency balance.

Consider this scenario: You buy a car. The loan balance after one year is $15,000. The market value is $11,000. Your insurance deductible is $1,000. You total the car, and your insurance company pays $10,000. That leaves a difference of $5,000. $5,000 you would have to pay for a car that you no longer have! With GAP, that $5,000 is paid. Think about it!

This is an extremely important coverage option that dealers charge two to three times more for the same, and more often times, less coverage than our GAP product provides.  Plus, as an added benefit, our GAP product can pay your deductible up to $500 for accidents covered by your auto insurance policy.  Talk to our loan department for more details about this must have coverage.

Click here for more information and to check your eligibility and pricing for this product.




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