Debt Protection

TruStage Claims

HTFFFCU Debt Protection

Does your family have a safety net if the unexpected hits?

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval.

It’s simple to apply.

Depending on the type of the loan you have with us, you may opt-in for one or more of the listed coverage types.

Credit cardholders have an option to select Life & Disability coverage combined into one product. Consumer and home equity borrowers can select any possible combination of Life, Disability, and/or Involuntary Unemployment.

FactsLifeDisabilityInvoluntary Unemployment
What happensProtected borrower passes awayA covered disability occurs due to injury or illnessA covered job loss occurs
It cancels this*Your payments or loan balanceYour loan paymentsYour loan payments
You may be eligible if youHave an eligible loan.Are a permanent employee who is actively working*.Are a permanent employee who is actively working*.

Ask your loan officer to protect what matters most to you.

*Refer to the Member Agreement for a full explanation of terms and conditions.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. *Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

TruStage FAQ:

For members who purchased the former version of debt protection plan, Credit Life and Disability (no longer offered) and wishing to review their plan, please visit Credit Life and Disability.