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Insurance & Securities

At EFCU, we’re here to help you prepare for the unexpected and your best life possible.


Protection for the Unexpected

It’s easy to put your family’s and finances’ well-being first, even when faced with the unexpected. Our affordable insurance policies help you protect the lives and things you love most.

TruStage Life Insurance Plans​

No matter your stage of life, affordable life insurance policies are essential for protecting the people who matter most to you. As an EFCU member, you have access to a variety of TruStage Life Insurance options, including whole and term life policies, that can be customized for your unique needs. Get an online quote or speak with a licensed agent to explore your options. Call 1-88-TRUSTAGE (1-888-787-8243) for details!

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC, and issued by CMFG Life Insurance Company. The insurance offered is not a deposit or federally insured or guaranteed by your credit union.

TruStage Auto and Home Insurance

Looking for great auto or home insurance coverage at a better value? As an EFCU member, you can take advantage of discounted premiums through our TruStage auto and home insurance program. This full-service program offers 24/7 claims service and online assistance. Plus, we customize your coverage to fit your needs and budget. Get a free online quote now, or call us at 1-88-TRUSTAGE (1-888-787-8243) for personal assistance in exploring your options with a licensed agent.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC, and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Debt Protection

In times of uncertainty and financial hardship, you can have peace of mind knowing your loved ones are protected. Debt protection is available that will pay off loan balances in the event of a death or make loan payments for you in the event of an unexpected disability or unemployment.

*While we are processing your claim you must make your monthly payments by the due date.  Once benefits begin you are responsible for any amounts that are not cancelled.

Guaranteed Asset Protection (GAP) Insurance

In the event your vehicle is stolen or damaged beyond repair, you are still required to pay the difference between your insurer’s payout and your loan balance. This means if your loan balance is higher than your vehicle’s insured value, you would be paying for a vehicle you no longer have. With Guaranteed Asset Protection (GAP), this difference is covered. This low-cost protection is available to you on most vehicle loans, and the affordable premium is added to your monthly auto loan payment for your convenience.

GAP disclosures

Your purchase of GAP 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. We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver Addendum which will contain the terms and conditions of GAP benefit.

GAP eligibility requirements, conditions, and exclusions.

There are eligibility requirements, conditions and exclusions that could prevent you from receiving GAP benefits. You should carefully read your GAP Waiver Addendum Form for a full explanation of the benefits, rules, terms and conditions of the program. This webpage is not a contract. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. GAP is subject to limitations and exclusions, including but not limited to a loan-to-value (LTV) maximum.

Vehicle Extended Warranty

You depend on your vehicle – and with our extended warranty protection you’ll get the coverage you can depend on too. Our extended warranty protection allows you to choose your level of protection for coverage that fits your needs:

  • Level 1 coverage: for engine, transmission, drive axle, cooling, and electrical
  • Level 2 coverage: adds steering, air conditioning, brakes, enhanced electrical, front suspension, and cooling
  • Level 3 coverage: our top level, offering comprehensive coverage detailed in your contract

With all coverage options, you enjoy 24/7 emergency roadside assistance and rental car allowance.

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