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Protection and Insurance Services

Protect yourself from life's surprises


You can’t predict the future, but you can be prepared. If something happens to prevent your ability to make your monthly loan payments, our Protection and Insurance Services will give you a plan to protect you and your family from what you can’t control. No matter what life throws your way, you’ll be covered.

MemberGuard™ Protection

A low-cost loan can make your life a little easier, but what if your life hits a “speed bump” and you can’t make your loan payments? Here’s one way to protect your family.

MemberGuard™ Protection can cancel your loan payments if you become involuntarily unemployed, sick, or injured. It can also repay your loan, up to the policy maximum, if you become deceased.

Other benefits of MemberGuard™ include:

  • Automatic eligibility for most borrowers
  • Simple enrollment
  • No medical screening
  • Immediate protection
  • Cost is included in your loan payment

Available for Consumer Loans and Credit Cards, MemberGuard™ Protection can give you peace of mind in uncertain times. Ask your Fibre Federal loan officer for MemberGuard Protection on your next loan.

Life, Disability, or Involuntary Unemployment 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, click here. If you prefer, call toll free 1-844-337-5831 to begin the process.

A TruStage Claims Specialist will guide you through the process.

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) is also available for purchase through the credit union. In most cases, GAP covers the difference between the dollar amount paid by your insurance carrier and the loan balance in the event the vehicle is totaled or stolen.

View Brochure

TruStage™ Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.**

Get your free quote today or call 1-855-483-2149.

$1,000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours

One of the nice benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy (WA residents only). AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident.

You can get $1,000 in coverage, paid for by your credit union, and provided by TruStage. You can also get up to an additional $300,000 AD&D coverage from TruStage at affordable rates.***

Sign up for your no-cost or additional protection today.

Collateral Protection Insurance

As part of your loan obligation, you are required to maintain physical damage insurance for the full term of your loan. If you receive a letter from us regarding your collateral protection insurance, it is because we have not yet obtained acceptable insurance coverage as outlined in our loan agreement. Please provide proof of your insurance coverage with our FFCU Insurance Tracking Center by visiting, calling 877-253-0790, faxing 877-572-9830, or emailing

In the event we do not receive evidence of insurance coverage, we may purchase Collateral Protection Insurance on your behalf. This coverage protects the interest of the insured lender and may not protect the interest or equity of the borrower. The premium and applicable interest on the collateral protection insurance will be added directly to your loan payment.

I had a big red wood tree fall onto my new Chevy Blazer. I didn't have gap insurance and Beth, a Consumer Lending Originator, has gone above and beyond to get me a loan to cover the money that was still owed on my auto loan that my insurance company wouldn't cover, while also helping me get another loan to get a new ride. Thank you!

— Devon A.

How it works

Protect yourself from life's misadventures in three easy steps:

  • 1

    Contact Us

    Reach out to let us know you're interested in adding protection and insurance to your loans.

  • 2

    Review Your Options

    We'll walk you through the Protection and Insurance Services that could fill your needs.

  • 3

    Choose What's Right for You

    Select the options that work best for your loans.

Protection and Insurance Services

Don't let life throw you for a loop

Protect yourself from unexpected events with Protection and Insurance Services that cover your monthly loan payments if you're unable to pay.

  • *TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union.

    **TruStage™ Auto and Home Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

    ***Must be a resident of Washington State in order to be eligible for this coverage. TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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