Life Happens. Your Loan Payments Don't Have to.

Unexpected illness, injury, or job loss can derail your finances. TruStage™ Debt Protection provides a safety net for your eligible consumer loans when life takes an unexpected turn.

What's Covered

• LifePlus: Terminal illness, accidental dismemberment, hospitalization, family medical leave, dependent loss
• Disability: Illness or injury preventing work
• Involuntary Unemployment: Unexpected, covered job loss
• Life: Remaining loan balance upon death

Simple & Affordable

• Easy enrollment: Select coverage when applying for your loan
• Voluntary: Won't affect loan approval
• Flexible: Change or cancel anytime
• Affordable: Just pennies per day, included in your monthly payment

Choose Single coverage (primary borrower + dependents) or Joint coverage (includes cosigners).

Get Protected Today

Add peace of mind to your BFCU loan for less than the cost of your daily coffee. Call 804-843-2520 to review or add Debt Protection coverage.

*Debt Protection coverage is voluntary and won't affect your loan approval criteria. Terms and conditions apply. Coverage maximums and exclusions may apply. Please review your coverage documents for complete details.

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.

Initially, your loan balance will possibly exceed the value of the vehicle you have financed. This is especially true if you use a small down payment or are not required to make a down payment at the time of purchase.

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.

Benefits of GAP protection are:

• Protection from financial loss
• Protection of your credit rating
• Protection for the term of loan (up to 72 months)
• Coverage for auto insurance deductibles
• Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles
• It gives you peace of mind that you are covered in case of loss

*Certain exclusions may apply. These products are provided to members through other independent companies for the benefit of Baylands FCU 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 coverage provides repair cost protection beyond the manufacturer’s warranty on eligible new or used vehicles.

Other benefits include:

•  Discounts available on newer vehicles.
•  MRC coverage is transferrable with a minimal cost (restrictions may apply).
•  You have various MRC plan coverage options all with a $0 deductible.

Processing of Extended Warranty Claims

If you have questions and are filing a claim for coverage:

Please call for all claims 1-800-808-0828 or e-mail: claims@route66warranty.com.

*Certain exclusions may apply. This product is provided to members through other independent companies for the benefit of Baylands FCU members. This products is not federally insured, are not obligations of the Credit Union, and are not guaranteed by the Credit Union or any affiliated entity.

Get $1,500 No-Cost coverage – Paid for you by Baylands Family Credit Union

As a member age 18 or older, you can get $1,500 complimentary accidental death and dismemberment coverage - paid for by Baylands Family Credit Union.

Plus, you've got guaranteed acceptance for up to $300,000 in optional coverage, available at group rates, and underwritten by Minnesota Life Insurance Company. Premiums for additional coverage can be conveniently deducted from a share savings account or a share draft account. No doctors to visit. No health questions to answer. No lab tests to take.

Offers for this coverage may be periodically mailed to you, or you may activate your coverage online. Members must complete an activation form before coverage can take effect. For information about this coverage or your policy, please call the Plan Administrator - Franklin Madison - at 1-877-420-4888.

You cannot be turned down for this coverage due to age or health.  All coverage reduces by 50% at age 70 and older, regardless of age at enrollment. Help make sure your family can have money to spend for rent, mortgage, utilities, tuition, loan repayment, or for anything they choose when you're no longer with them.

Don't delay. Remember, you cannot be turned down.

Andrea L. Heger, Licensed Insurance Agent #2277322
0122
1947555

*Certain exclusions may apply. This product is provided to members through other independent companies for the benefit of Baylands FCU members. This product is not federally insured, are not obligations of the Credit Union, and are not guaranteed by the Credit Union or any affiliated entity.