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It's good to make sure you have the right insurance. Choose from below for the protection and coverage that's right for you.

  • The Family Security Plan

     

    With The Family Security Plan on your side, take the first steps toward securing your family's future.

    Through a partnership with PFP, LAFCU is pleased to offer members:

    • Whole Life Insurance: 
      • Immediate coverage that will not end with retirement or increase in cost. You select a benefit with a cash value component to help meet your financial needs and goals. 
    • Disability Income Insurance:
      • A monthly benefit when you are out of work for an extended time due to an injury or illness. 
    • Critical Illness Insurance: 
      • A lump sum cash benefit sent directly to a policyholder who has been diagnosed with a covered critical illness. 
    • Accident Insurance:
      • Cash benefits when you or a family member experiences a covered injury or accident. 

    When life takes an unexpected turn, take care of your loved ones and let The Family Security Plan take care of you. 

    For a personal consultation or to begin building your customized Family Security Plan, call 855-604-4277 or visit LAFCU's South Lansing Branch to speak with a representative.

     

     

    Products and services offered by The Family Security Plan are not products and services of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Products may be purchased from an agent or an insurance company of the Member's choice.

  • Accidental Death & Dismemberment Insurance

    JOIN. PROTECT. PROVIDE.

    Being a member of LAFCU makes you a part of family. And, we protect our family members with $2,000 Accidental Death and Dismemberment Insurance Coverage - at no cost to you. All you have to do is complete the enrollment form below. It's that easy.

    We understand that you have family members and loved ones to provide for, too. We're happy to extend you the opportunity to better provide for them.

    Download Form >>

  • GAP Insurance

    PageHeader_GAP

    If your vehicle is totalled or stolen, your primary insurance settlement may be significantly less than your outstanding loan or lease balance. The resulting "gap" may cause you financial hardship.

    GAP insurance is designed to cover the difference between your outstanding loan or lease balance and the actual cash value of the vehicle. GAP also covers up to $1,000 of your deductible, and an additional benefit may be available toward the purchase or lease of a replacement vehicle.

    For more information about LAFCU's GAP insurance, call 517.622.6600.

    Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the National Credit Union Administration or any other federal government agency.

  • Collateral Protection Insurance

    WHAT IS CPI (Collateral Protection Insurance):
    Collateral Protection Insurance may be issued through the credit union's insurance program. This insurance may cost more than insurance you can buy on your own. The coverages afforded by CPI are primarily to protect the credit union's interest. CPI will not satisfy the requirement of any financial responsibility law, nor does it provide liability coverage.

    WHY DID I RECEIVE A NOTICE ABOUT PROVIDING PROOF OF INSURANCE?:
    Your loan agreement requires you to maintain comprehensive and collision coverage on your vehicle for the life of your loan. We require that you provide us evidence that you have established acceptable insurance coverage as outlined in the loan agreement.

    YOUR INSURANCE POLICY NEEDS TO INCLUDE THE FOLLOWING:
    1. LAFCU, #2295, as LIENHOLDER/LOSS PAYEE.
    106 N. Marketplace Blvd
    Lansing, MI 48917

    2. COMPREHENSIVE and COLLISION coverage on vehicle.
    3. Collateral must match collateral on loan document.
    4. Policy number, policy period, and company name MUST be listed.

    PLEASE READ:
    Should you fail to maintain the required insurance throughout the life of the loan, the lender may (but shall not be required to, and without prejudice to its rights if it does not) purchase a policy for its own protection and pass the cost of the policy on to you, the borrower. The lender, may, but is not required to, attempt to contact you prior to purchasing the insurance. The lender may at its option, add the premium to your loan. This may cause an increase to your regular payments.

    PLEASE HAVE YOUR AGENT CALL (800) 653-8812 TO PROVIDE THE NECESSARY INSURANCE INFORMATON.

    For your convenience, you may visit our website:



    HOW DO I GET A REFUND?
    If we received a copy of a comprehensive and collision insurance policy that has been purchased from your personal insurance agent or company and the policy meets all the requirements stipulated in your loan agreement, we will promptly refund any unearned portion of the premium. We will apply this refund to your loan, thus reducing its balance.
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