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Auto Loan Protection


Life & Disability Insurance

Accidents happen, and unfortunately, your insurance doesn’t always cover it – GAP Plus does! Guaranteed Asset Protection Plus protects you when “gaps” exist between your insurance settlement and your loan balance.

GAP Plus provides benefits of: 

  • Up to $1,000 deductible assistance whether the vehicle is deemed a total loss or not.
  • $1,000 being used towards the financing of a replacement vehicle through Alpena Alcona Area Credit Union.
When you choose to protect your loans with MEMBER’S CHOICE© credit life and disability insurance*, you’re taking steps to protect your family if the unforeseen happens.MEMBER’S CHOICE© credit life and disability may help reduce or pay off your covered loan or make your monthly payment, up to the policy maximum, in the event of a covered life event, injury, illness, or death.


Mechanical Repair Coverage

Take the next step towards dependable coverage with ForeverCar

Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that's safe and reliable. Mechanical Repair Coverage (MRC) provides protection beyond manufacturer or powertrain warranties. The older your vehicle, the more it takes to keep it in good working order. In addition to comprehensive parts and labor coverage, these plans include benefits like roadside assistance, car rental, travel reimbursement and towing. Instead of footing the entire bill for an unexpected breakdown, Mechanical Repair Coverage offers a range of deductibles, allowing you to determine how much you want to pay for repairs.


  • Convenient Monthly Payments
  • Use the licensed repair facility of your choice
  • No mileage limitations - drive as much as you like
  • Customize your deductible
  • 24/7/365 emergency roadside assistance
  • Extended benefits that may not be covered by your manufacturer's warranty
  • Rental car and emergency travel expense reimbursement
  • No long-term contracts

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*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-2285632.1-1018-1120