Insurance

Planning for the future. Protecting your peace of mind.

Insurance solutions that won’t break your budget.

As your premier financial partner, NSPCU is committed to helping you plan for the future and protect your financial health for years to come. We offer insurance products and services specifically chosen to best meet the needs of members like you. With a wide range of coverage options and strong partnerships with trusted providers, you’ll find peace of mind among NSPCU’s affordable insurance offerings.

GAP Insurance

Get professional advice on a variety of personal finance topics.

If you ever find yourself in a situation where your car is totaled or stolen, and you still owe more on the balance than the insurance will pay, you’ll be glad you have GAP coverage. Guaranteed Asset Protection (GAP) will cover the difference, so you can comfortably afford a new vehicle.
  • Added peace of mind; lessen the feeling of financial helplessness in the event that your vehicle is totaled or stolen
  • Coverage of the gap between what the insurance will pay and what you still owe*
  • Easy enrollment process; sign up at any time
  • Immediate coverage following enrollments
  • 60-day free look — you may cancel your protection within 60 days of your enrollment date and receive a full refund and no cancellation fee
  • Helps protect the borrower's credit rating
  • Additional $1,000.00 to help with new vehicle purchase

Learn More About Guaranteed Asset Protection Coverage

*Review details for exact coverage specifications and criteria.

Mechanical Repair Coverage

Be prepared to cover the costs of any repairs your vehicle might need.

Expect the unexpected with the help of Mechanical Repair Coverage. You can’t choose when your vehicle breaks down, but you can choose to lessen your financial burden and inconvenience when it does.
  • Added peace of mind; lessen the feeling of financial helplessness in the event of a vehicle breakdown
  • Repair coverage, including cost of parts and labor*
  • Easy enrollment process; sign up at any time
  • You will be put into a coverage plan based on the year and mileage of the vehicle
  • Immediate coverage following enrollments
  • No deductible
  • 30-day money-back guarantee
  • Nationwide coverage
  • 24/7/365 emergency roadside service
  • Direct claim payments via Visa®/Mastercard®
  • Total Loss Refund — If your car is declared a total loss by the insurance company, they will refund the entire original premium of your service agreement

Learn More About Mechanical Repair Coverage

*Review details for exact coverage specifications and criteria.

Credit Life Insurance

Get professional advice on a variety of personal finance topics.

Give yourself and your family greater peace of mind with additional payment protection. In the unfortunate event that you should die before fully paying off outstanding loan balances, Credit Life Insurance, provided by our partners at Member’s Choice® Insurance, will help cover or lighten any remaining financial burden.

By reducing or covering your full balance up to the policy maximum*, Credit Life Insurance allows you to rest assured, knowing your family will be taken care of at such a difficult time. This coverage allows for your family to keep their savings, salary, and other life insurance intact and working toward other expenses and goals.

Credit Life Insurance Provides:

  • Greater peace of mind for yourself and your family
  • Coverage options in the wake of unforeseen death
  • Full coverage, temporary coverage, and partial coverage options available*
  • Relinquishes the burden off of family members to cover outstanding payments
  • Easy enrollment process — make selection when closing on loan (or at any point thereafter)
  • Immediate coverage following the completion of enrollment
  • Complements existing insurance — loan payment coverage, so other funds can go toward day-to-day coverage
Learn More About Credit Life Insurance
*For terms of your contract agreement; up to your policy maximum and in the event of a covered death. Check with your loan officer for more details on MEMBER’S CHOICE insurance, including exclusions, limitations, and maximum benefits. Covered loan payments are subject to the terms and conditions of the policy.

Credit Disability Insurance

Be prepared to cover the costs of any repairs your vehicle might need.

In the unfortunate event that you fall ill or become disabled before fully paying off outstanding loan balances, Credit Disability Insurance, provided by our partners at Member’s Choice® Insurance, will lighten any outstanding financial burden.

Credit Disability Insurance can help conserve your family’s savings and allows you to use other insurance funds to meet day-to-day living expenses and continue working toward your shared goals.

By reducing or covering your full balance, up to the policy maximum*, Credit Disability Insurance helps you rest assured, knowing you and your family will be taken care of — without taking a toll on your credit.

Credit Disability Insurance Provides:

  • Greater peace of mind for yourself and your family
  • Coverage options in the wake of an accident, resulting in dismemberment or illness
  • Full coverage, temporary coverage, and partial coverage options available*
  • Relinquishes the burden off of family members to cover outstanding payments
  • Easy enrollment process — make selection when closing on loan (or at any point thereafter)
  • Immediate coverage following the completion of enrollment
  • Complements existing insurance — loan payment coverage, so other funds can go toward day-to-day coverage

Learn More About Credit Disability Insurance

*Check with your loan officer for more details on MEMBER’S CHOICE insurance, including exclusions, limitations, and maximum benefits. Covered loan payments are subject to the terms and conditions of the policy.

TruStage Insurance Products

Securing the financial stability of millions of credit union members.

A trusted insurance partner of NSPCU, TruStage’s relationships with thousands of credit unions around the country help millions of people prepare for the future. Explore TruStage’s straightforward, affordable, and comprehensive insurance solutions below.

AD&D Insurance

Claim you no-cost AD&D insurance.

Auto & Home Insurance

Through Liberty Mutual Insurance.

General Insurance

Simple and designed to fit your budget.

Life Insurance

Ease the burden of expenses left to loved ones.