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Debt Protection & Credit Insurance

Happy family of four

Life often has plans of its own and when the unexpected happens, you’ll want to be prepared. Protecting your loan balance or loan payments from life events such as loss of life, disability or involuntary unemployment helps to safeguard your family’s financial future. Learn how you can protect your loans.

Need to submit a claim? We are here to help.

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim. To begin, please fill out a claim form by clicking the button below.

 

Payment Protection Products Include:
Life (Terminal Illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent), Disability and Involuntary Unemployment.

 

If you prefer, call 1 (844) 707-4964 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.1

 

Start Your Claim

Debt Protection and Credit Insurance

Compare the benefits of our Flex-Credit Protector2 packages and choose the one that best protects you and your family.


LifePlus, Disability & Unemployment

Life Plus
Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*

Disability
Payment Cancellation
Accident & Sickness
30-day Elimination Period (30NR)

Involuntary Unemployment
Payment Cancellation
30-day Elimination Period (30NR)

LifePlus & Disability

Life Plus
Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*

Disability
Payment Cancellation
Accident & Sickness
30-day Elimination Period (30NR)

Involuntary Unemployment
Not Applicable

Disability & Unemployment

Life Plus
Not Applicable

Disability
Payment Cancellation
Accident & Sickness
30-day Elimination Period (30NR)

Involuntary Unemployment
Payment Cancellation
30-day Elimination Period (30NR)

LifePlus Only

Life Plus
Balance Cancellation*
Payment Cancellation**
Accident & Sickness
Graded Benefits at Age of Death*

Disability
Not Applicable

Involuntary Unemployment
Not Applicable


For more information or to apply for debt protection, speak to a Hawaii State FCU representative at (808) 587-2700.

Disclosures

1. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER’S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company.

2. Your purchase of Flex-Credit Protector 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 Flex-Credit Protector.

* Applies to Death, Terminal Illness and Accidental Dismemberment

** Applies to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

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