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Home > Loans & Mortgages > Loan Protection

Loan Protection

Expect the unexpected…are you covered? Well, your credit union can help! Alpena Alcona Area Credit Union provides MEMBER’S CHOICE™ – loan protection products that protect you and your loved ones from the unexpected.

Credit Life & Disability Insurance

Planning for your future is about making the best choices for you and your family – whether it’s improving your standard of living or protecting your financial future. When you choose to protect your loans with MEMBER’S CHOICE™ credit life and disability insurance*, you’re planning for your family’s financial future. MEMBER’S CHOICE™ credit life and disability may help to pay your loan so you or your loved ones don’t have to if your income is reduced or eliminated due to disabling injury, illness or your unexpected death.

It’s protection that pays! Protect your family from those unforeseen circumstances and purchase low cost credit life and disability insurance for your loans.

Click here to find out more information on credit life and disability insurance or contact our loan department today!

*Your purchase of credit life and 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 Policy Agreement for a full explanation of the terms. CDCL-0812-6BEF/ CDCL-0812-E551


Guaranteed Asset Protection

Accidents happen, and unfortunately, your insurance doesn’t always cover it – GAP Plus does! GAP Plus* or Guaranteed Asset Protection Plus covers you when “gaps” exist between your insurance settlement and your loan balance. You see, when your car or truck is declared a total loss by your insurance company you are paid based on the replacement value of the vehicle which doesn’t always match up with the value owed on your loan. The result, you have a “gap” in what your insurance covered and the amount owed to your credit union.

Fortunately, Alpena Alcona Area Credit Union provides you with peace of mind, security and protection – GAP insurance – a low cost coverage for a potentially high cost expense is available for purchase on all new or used vehicle loans financed through your credit union.

Want to fill the GAP? Contact our loan department today!

*Your purchase of MEMBER’S CHOICE Guaranteed Asset Protection (GAP) Plus 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 Member Agreement for a full explanation of the terms of MEMBER’S CHOICE Guaranteed Asset Protection (GAP) Plus. If you choose GAP Plus, adding the product fee to your loan amount will increase the cost of GAP Plus. CDCL-0112-6749

 


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