We offer insurance products to members at significant savings above and beyond what your local or even national insurance agent may be able to offer.  Consider all of the savings that you can gain by taking advantage of credit union insurance products!

 

Mechanical Repair Coverage (MRC) / Vehicle Service Warranty

We offer bumper-to-bumper* coverage for the vehicles you own, even if you don't owe a balance on them.  And our MRC is available on new and used vehicles without many of the mileage or ownership restrictions that other coverage plans impose.

For additional information about MRC, view our latest flyer.
Or get more information from a quick-reading, but comprehensive brochure about MRC.

Guaranteed Asset Protection (GAP) Coverage

Helps pay the difference between a vehicle’s actual cash value and the member’s loan balance according to provisions and conditions set forth in the waiver

• Many members don't understand they are at risk
• Helps cushion the impact of unexpected expenses
• Helps provide member financial security in the event of an accident

When applying for a vehicle loan, inquire about GAP Coverage for your vehicle and loan!

Accidental Death & Dismemberment (ADD) Coverage

Protects members and their families against loss from accidents.  Accidents are significant in their cause of death, namely:

• Accidents are #1 cause of death for those under age 41*
• Accidents are #5 cause of death for all ages*

For details, check out our latest ADD Coverage brochure.   Or for additional information, call us!

Credit Insurance

Even though there are more dual-income households now than in the past (more than 60%)*, 58% of Americans say their incomes are falling behind the rising cost of living. The financial strain of disability is the leading cause of personal bankruptcies and mortgage foreclosures. (Health Insurance Underwriter, May 2008).  Close to 90% of disabling accidents and illnesses are not work related.

Most Credit Insurance arrangements come with a risk-free, 30-day trial period at the beginning of coverage.  That way, you can "sleep on it," and take time to consider the benefits and costs associated with Credit Insurance.  Take a look at a quick sheet that helps you consider your options!

For the peace of mind that Credit Insurance can provide, inquire now for your existing loans or lines of credit, or when applying for a loan.

*Pew Research Center, February 14, 2008; National Safety Council, Injury Facts, 2008 Edition

Medicare Suite from CUNA Mutual & Humana

Members who are eligible for Medicare are still confused about what coverage is available and how to maneuver the complex requirements imposed by the government.  Our product from CUNA Mutual Group in conjunction with Humana can help.

Get help now!  Representatives from our partners at CUNA Mutual are available to help!
For additional information, take a quick look at our latest brochure on Medicare Suite. 

Long Term Care Coverage

The yearly cost for a private room in a nursing home is $77,745.  Assuming no increases, the cost for three years of service (the average length of payout for long-term care insurance) would be $233,235.

For an online quote, or for additional information on Long Term Care coverage, visit a personalized website created especially for Aloha FCU members.  Click here to check out your Long Term Care needs now!

“The MetLife Market Survey of Nursing Home & Assisted Living Costs” October, 2008

 

Financial Planning

The effect financial planning can have on your future and current lifestyle can be immense.  Consider meeting with the professionals from LPL Financial, an exclusive Aloha partner, to see what they can do to help you understand and maneuver among all the financial options and obstacles that you may face throughout your life -- from maximizing your long-term savings plans, to college funding planning, and also to planning for a comfortable retirement!

Take a look at LPL Financial's brochure, and feel free to reach-out directly to their representatives.  Be sure to identify yourself as an Aloha member for your no-fee consultation status! 

 

Not FDIC/NCUSIF Insured. No Bank/Credit Union Guarantee. Not A Deposit. May Lose Value. Not Insured By Any Federal Government Agency

Updated 03-2010