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Insurance & Loan Protection

Insurance & Loan Protection

Guaranteed Asset Protection

 This insurance is designed to protect you when a gap exists between the actual value of your vehicle and the amount of money you owe on your loan.

If your vehicle is stolen or totaled in an accident, your auto insurance company will cover only the replacement value of the vehicle. The remainder of the loan balance becomes your responsibility to pay and the replacement value is not always enough to cover the balance of the loan. GAP is designed to cover that difference. 

*Certain exclusions may apply. These products are provided to members through other independent companies for the benefit of VSU Federal Credit Union members. These products are not federally insured, are not obligations of the Credit Union, and are not guaranteed by the Credit Union or any affiliated entity.
Extended Warranty

Extended Warranty coverage provides repair cost protection beyond the manufacturer’s warranty on eligible new or used vehicles.

*Certain exclusions may apply. These products are provided to members through other independent companies for the benefit of VSU Federal Credit Union members. These products are not federally insured, are not obligations of the Credit Union, and are not guaranteed by the Credit Union or any affiliated entity.
Credit Life Insurance

MEMBER’S CHOICE® Credit Life Insurance is a voluntary insurance designed to help pay off your outstanding loan balance at the time of your death.


Credit Disability Insurance

MEMBER’S CHOICE® Credit Disability Insurance is voluntary coverage Credit Disability Insurance may help make your loan payments while you’re totally disabled due to a covered illness or injury. 


TruStage Life Insurance

Accidental Death and Dismemberment Insurance in the amount of $1,000 is available to you at no cost. It is underwritten by CMFG Life Insurance Company. Contact them at 1-855-612-7910 or trustageadd.com for details and additional coverage.


* Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.

Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, or Visual Guaranteed Asset Protection (GAP), underwritten by Frost Financial 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 full explanation of terms for Credit Life and Credit Disability Insurance or Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the amount of the loan.

CDCL, GAP-936176.1-0514-0616