Insurance

MECHANICAL BREAKDOWN PROTECTION (MBP)

Drive with the peace of mind knowing that with Mechanical Breakdown Protection (MBP) you have protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures.
In addition to repairing your vehicle, MBP provides services such as rental car allowance, tire protection, roadside assistance, and 24/7 towing. MBP is available for both new and used vehicles. This coverage will protect your vehicle after your warranty has expired. Ask us how you can drive with the proper protection against costly repairs!

BENEFITS OF MBP:

• Roadside Assistance & 24/7 Towing
• Rental Car Allowance
• Consequential Damage Coverage

Contact us to learn more about Mechanical Breakdown Protection!

Debt Protection - Financial Protection for Those Who Matter Most

Things to consider:

Debt protection¹  can help supplement any insurance or savings you may already have. Consider all your monthly expenses, such as housing, groceries, medical, child care, vehicle and credit card payments. If something were to happen to you, would you and your loved ones have enough to get them through?

Cancel at any time

You may cancel debt protection at any time. If you do so within the first 30 days, we will refund any fees already paid.

Learn more

Talk to a representative today by calling (315) 469-5599 to learn the details about our debt protection program.

What is debt protection?

• Debt protection may cancel your outstanding loan balance or cancel your monthly payment without penalty or added interest if an
  unexpected, covered event were to happen

Why debt protection might be right for you

• Helps protect your credit rating by saving you from defaulting on a loan
• Adds cost-effective financial protection to your financial portfolio
• Can provide a financial safety net when you or your loved ones may need it most

Availability and plan options

• Debt protection is available for consumer loans, home equity loans, and credit cards.

Choose from the plan options listed below:

Definitions of coverage
 If you meet eligibility requirements and conditions, debt protection will provide the following benefits:
Death protection helps your family get back on their feet financially with the cancellation of your loan.

• All plans: Cancels the remaining loan balance as of date of death (up to $75,000)

Disability protection cancels your loan payments for a period of time as you regain your health. 

Plans 1 & 2: Cancels up to 24 payments per occurrence (aggregate maximum of $15,000, up to $1,000 per month)

Involuntary unemployment protection helps ensure your loan payment will be taken care of as you search for new employment.

• Plan 1: Cancels up to 3 payments per occurrence (aggregate maximum of $15,000, up to $1,000 per month)

TruStage Life Insurance

Part of being prepared in life is planning for what happens after you’re gone. TruStage® Whole Life Insurance can help relieve your family from the financial burden of final expenses such as funeral costs, medical bills and unpaid debts.

Benefits Never Decrease
Unlike some other insurance, this coverage offers permanent protection that lasts as long as you live—even if you develop health issues like cancer. Rates Locked-in for Life
Rates increase with age. But apply now and if you’re approved, you’ll lock in your lowest rate for this policy for the rest of your life.

A Tradition of Strength
TruStage Life Insurance is underwritten by CMFG Life Insurance Company. CMFG Life is rated “A” Excellent by A.M. Best (2017), the third highest of 16 ratings. For more than 80 years, CMFG Life has helped protect more than 18 million people.
Please take a few minutes to review the enclosed materials, and as you
do, keep in mind the relief this policy could help provide for your family
one day.
Frank E. Cain, Director
Licensed Insurance Representative
TruStage Life Insurance

A variety of Term Life/Whole Life Insurance…because families come in all shapes and sizes. Questions? Call 1-855-612-7909 or visit TruStage Life Insurance Policies.

Whole Life Insurance Term Life Insurance

Accidental Death & Dismemberment (AD&D)

$1,000 of FREE^* coverage for each credit union member and up to $300,000 of additional coverage for you and your family at very reasonable rates. Questions? Call 1-855-612-7910 or visit  TruStage Accidental Death and Dismemberment (AD&D) Insurance.

^{* SECNY FCU provides $1,000 of coverage for every member (age 18 and up). Additional coverage may be obtained by members in amounts from $10,000 to $250,000 with premiums as low as $1.00 per month.}

TruStage Accidental Death Insurance  

^{1 Disclosure: This product is optional Your purchase of debt protection is optional. Whether or not you 
purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. Additional disclosures: We will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection. Eligibility requirements, conditions and exclusions. There are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.}