INSURANCE

Horace Mann Insurance

Helping Educators is Our Passion

Founded by educators for educators, Horace Mann is dedicated to helping educators and their families protect what’s important today and prepare for a successful tomorrow with products and services designed with educators in mind. Horace Mann offers Auto, Home and Life Insurance, as well as Retirement Solutions with personalized service for all school employees. Educators enjoy special rates on auto, home, and life insurance.

 

Auto, Home, and Personal Insurance with TruStage™

LVECU members receive special discounts on policies for home, auto, life and more through our partners at TruStage™ Insurance.

Protect what matters most:

  • TruStage™ Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, and MEMBERS Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.

    GEN-2943958.3 © TruStage

 

Protection

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Less Stress Debt Protection

 

Your financial safeguard against the unexpected. Life can take some unexpected turns. That’s why there’s Less Stress Debt Protection.

Financial Protection for the unexpected – protect the ones that matter most. Less Stress Debt Protection could help your family’s financial situation against a variety of covered life events: 

  • Involuntary Unemployment 

  • Disability 

  • Death

For additional protection, Life Plus can extend your Less Stress Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment 

  • Terminal illness 

  • Hospitalization or family medical leave 

  • Death of a non-protected dependent

 

Take an important step toward financial security. Ask LVECU about Less Stress Debt Protection today.

Less Stress 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 contract for a full explanation of the terms. You will receive the contract before you are required to pay for Less Stress 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-3415586.2-1123-1225 © TruStage

 

Guaranteed Asset Protection (GAP) Plus

 

Vehicle loan protection for what your auto insurance may not cover for a wrecked vehicle. Protect your vehicle loan – purchase GAP Plus!

If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.

Optional financial protection on your vehicle loan that helps you drive with confidence. Talk to LVECU today about how we can help protect you from sudden out-of-pocket expenses with GAP.

 

GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
GAP-3415672.3-0124-0226 © TruStage 

 

Mechanical Repair Coverage (MRC)

 

Optional protection against unexpected repair costs. A breakdown can be troubling enough without the added worry of expensive repairs.

The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs.

Help protect yourself from unexpected costly covered repairs – Talk to LVECU to find out what Mechanical Repair Coverage plan is right for you.

 

This coverage is only available through LVECU at the time the auto loan is initiated. If you decide to purchase the coverage at a later date, contact TruStage for further assistance.
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 NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. 
The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. 
MRC-3415612.4-0324-0426 © TruStage 

 
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