Loan Insurance Products

OHecu has made available through CUNA Mutual Insurance a variety of insurance products to help you protect your financial future and provide peace of mind. These products include Credit Life and Credit Disability. To receive more information on these products, contact a Member Service Representative at any OHecu office.

Credit Disability Insurance

There’s no way to predict an injury or illness, but with credit disability insurance you can take steps to make sure you’re covered if the unforeseen were to happen. MEMBERS CHOICE® Credit Disability insurance through CUNA Mutual Group is a way to help protect your loan, with the premium included in your monthly loan payment.  If you have a balance on your loan and are totally disabled due to injury or medical-related illness, the insurance can help with your monthly payments. Certain eligibility requirements, conditions and exclusions may apply¹.

¹ Be sure to read the Credit Insurance Application and Credit Insurance certificate which will explain the exact terms, conditions, and exclusions of policy.  CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.  Your purchase of MEMBER’S CHOICE® Credit Life and Disability Insurance, underwritten by CMFG Life Insurance Company, 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.

Credit Life Insurance

An unexpected death can place financial stress on a family, but with credit life insurance you can make sure your family is provided for if the unforeseen were to happen. MEMBER’S CHOICE® Credit Life insurance through CUNA Mutual Group is a way to help protect your loan and the premium is included in the monthly loan payment.  In the event of an unexpected death the insurance can pay off the loan. Certain eligibility requirements and exclusions may apply¹.

¹Be sure to read the Credit Insurance Application and Credit Insurance certificate which will explain the exact terms, conditions, and exclusions of policy.  CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.  Your purchase of MEMBER’S CHOICE® Credit Life and Disability Insurance, underwritten by CMFG Life Insurance Company, 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.  

GAP Protection with Auto Deductible Reimbursement (GAP/ADR)

Protect your financial wellbeing with the purchase of Guaranteed Asset Protection with Auto Deductible Reimbursement (GAP/ADR) through Allied Solutions. 

• Helps you protect your new or used vehicle investment, avoid a serious financial loss, and guarantee the loan is paid.
• If a vehicle is totaled or stolen, GAP will waive the difference between the outstanding loan balance at the time of the loss, and the actual cash value of the vehicle (primary insurance settlement), less certain deductions.
• ADR will reimburse you up to $500 per loss when a claim is filed and paid by your primary insurance carrier on any motor vehicle insured under your Master Automobile Policy.
• Covers automobiles, light trucks, motorcycles, boats and ATVs. 
• Only available on loans financed with a Member Service Representative at an OHecu office.

Auto Insurance

TruStage^® Auto Insurance Program² works with selected auto insurance partners to provide discounted rates for credit union members, online services, and 24/7 claims service. If you haven’t compared auto insurance recently, it’s a great time to get a quote. Get your free quote today.

²TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies.  Members Insurance and Investments is a marketing name used for the products and programs offered through CMFG Life Insurance Company and other leading companies.  CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.  The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Home Insurance

OHecu members can take advantage of discounted Home Insurance rates through TruStage^®. Protect your most important investment and receive a free quote today.^*

^* TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies. Members Insurance and Investments is a marketing name used for the products and programs offered through CMFG Life Insurance Company and other leading companies. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Life Insurance

It's important to be prepared when the unexpected happens. 
 
OHecu offers members TruStage^® Life Insurance Policies to help protect what matters most. Explore policy options and receive a free quote or call 855-612-7909 to learn more.^*

^* TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies. Members Insurance and Investments is a marketing name used for the products and programs offered through CMFG Life Insurance Company and other leading companies. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.