Member’s Choice Debt Protection - Millstream Area Credit Union
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Millstream Area Credit Union

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    Member’s Choice Debt Protection

    Product Description

    Unexpected job loss, death, or disability could prevent members from being able to make loan payments. Debt Protection with LifePlus can help by cancelling part, or all, of the member’s protected loan(s). Three options allow the member to get the coverage that best suits them.

    • LifePlus
    • LifePlus Disability 
    • LifePlus Disability and Unemployment

    **Terms, conditions, and benefit maximums apply. See specific Cuna Mutual product sheets for details.

    Minimum Requirements

    Minimum Requirements

    Loan must be held by Millstream Area Credit Union to qualify for debt protection. Specific requirements for each level of protection will vary. Refer to LifePlus policies for more details.

    Account Specifications

    Features & Benefits

    LifePlus

    LifePlus Disability

    LifePlus Disability & Unemployment

    LIFE

    • Balance cancellation  †
    • Payment cancellation  ≠
    • Accident & sickness 
    • Graded benefits at age of death

    LIFE

    • Balance cancellation  †
    • Payment cancellation  ≠
    • Accident & sickness 
    • Graded benefits at age of death

    LIFE

    • Balance cancellation  †
    • Payment cancellation  ≠
    • Accident & sickness 
    • Graded benefits at age of death
     

    DISABILITY

    • Payment Cancellation 
    • Accident & sickness 
    • 14 day waiting period (14R)

    DISABILITY

    • Payment Cancellation 
    • Accident & sickness 
    • 14 day waiting period (14R)
       

    INVOLUNTARY UNEMPLOYMENT 

    • Payment cancellation 
    • 14 day waiting period (14R)

    † Applies to death, terminal illness, and accidental dismemberment

    ≠ Applies to hospitalization, family medical leave, and loss of life of a non-protected dependent

    • *does not replace or substitute as auto or home owner’s insurance
    • Available for consumer loans, credit cards, and home equities 
      • Excludes mortgages
    • 30-day free trial of product 
    • Can add to loan (or remove from loan) at any time
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