Insurance and Debt Protection Services

OU Credit Union is proud to offer our members debt protection services and exclusive discounts on insurance plans. We've partnered with trusted insurance providers to give you access to discounted coverage on your home, apartment, car and many other needs. Our partners offer special deals on homeowners' policies, renters insurance, and auto and boat coverage.

Guaranteed Asset
Protection

If your vehicle is deemed a total loss due to accident or theft, Guaranteed Asset Protection (GAP) helps cover the gap between what your insurance will pay & your current loan balance.

TruStage Auto & Home Insurance

Designed for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection.

Accidental Death & Dismemberment

As an OU Credit Union exclusive member benefit, receive $1000 of no-cost TruStage Accidental Death and Dismemberment Insurance.

MSUFCU Debt Protection℠
& Life Plus

MSUFCU Debt Protection could cancel your loan up to the contract maximums. Protecting your loan payments against death, disability, or involuntary unemployment.

Mechanical Repair
Coverage

As vehicles get older and miles add up, the likelihood for repairs increases. Mechanical Repair Coverage can help you limit out-of-pocket, costs for covered breakdowns.

Medicare Insurance

MSUFCU offers our Michigan-based members free access to Silvur Insurance for personalized Medicare guidance. Meet with licensed experts in-branch, by phone, or virtually to find your best plan.

Protection when it matters most - We are here to help!

In your time of need, filing a claim for any of the following Payment Protection Products is quick and easy:

• Accidental Dismemberment
• Death
• Disability
• Family Medical Leave
• Hospitalization
• Involuntary Unemployment
• Loss of Life of a Dependent
• Terminal Illness

Click the button below to fill out the claims form online. To file your claim over the phone, call 800-621-6323 and a TruStage Claims Specialist will guide you through the process.

File Your Claim

Disclosure

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. TruStage Insurance Agency 2017AHE, AHL-1339661.2

Your purchase of OU Credit Union 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. DP-3317278.1-1120-1222

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-2341946.2-1020-1122 © CUNA Mutual Group 2020

Silvur Insurance does not offer every plan available in the state of Michigan. Currently Silvur Insurance represents 10 organizations which offer 87 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options