Insurance Services
We hope the worst never happens, but we also want you to be prepared in the case that it does. Our Insurance Services offer something for everyone, providing you with many coverage options and free quotes to help you get the most for your money. For more information, click on the heading of the individual service or contact your local branch.
COLONIAL LIFE ACCIDENT INSURANCE
Get the benefits you need for initial and follow-up care. The plan can cover you, your spouse, and your children, with the option to have benefits paid directly to you. Coverage is also portable, and you can take it with you if you change jobs or retire. Best of all, you are paid benefits regardless of any other insurance you might have.
This service offers essential resources such as Credit Bureau Monitoring and Fraud Alert, free credit bureau fraud alerts, identity insurance, and resource guides on how to reduce the likelihood of becoming an identity fraud victim. It also provides specialists to take control and assist you with fraud resolution.
Protect your home and your investment in it with Home Insurance underwritten by Liberty Mutual, through CUNA Mutual. Benefits include exclusive member savings discounts, superior member service, convenient e-services to pay your bills, and the ability to make changes to your policy or even report a claim.
Spectrum FCU members have the opportunity to purchase automobile insurance from Members Auto Insurance underwritten by Liberty Mutual, through CUNA Mutual. Benefits include exclusive member savings discounts and superior member service, convenient e-services to pay your bills, and the ability to make changes to your policy or even report a claim.
EXTENDED WARRANTY/MECHANICAL BREAKDOWN INSURANCE (MBI)
This insurance works like an extended warranty plan for your car, covering a wide range of potential mechanical problems. Choose from different levels of coverage with different premiums and deductibles. Include it in your Spectrum FCU auto loan so that repair costs are financed at low car loan rates. You can also add it to your current vehicle, even if it's not financed through us.
GUARANTEED ASSET PROTECTION (GAP)
What if your car isn't simply damaged but wrecked—is it a total loss? Your regular car insurance may not cover everything you still owe on the car, leaving you in the position of paying off one loan while needing to take out another. A GAP insurance policy will make up any difference between the value of your "totaled" vehicle and what you still owe.
We offer our members a 5% discount on pet insurance through VPI Pet Insurance. Make optimal healthcare decisions for your pet based on his or her needs and your veterinarian's recommendation, rather than on the cost of treatment. Depending on the chosen level of coverage, VPI can help with the cost of lab fees and office visits, surgery and accident care, and more.
