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Insurance Products


Best Reward Federal Credit Union offers supplemental insurance products with YOUR needs in mind.

Credit Life & Credit Disability Insurance

Secure Your Loans!

MEMBER’S CHOICE® Credit Life & Credit Disability Insurance helps give you the security of knowing repayment won’t be left to loved ones should something happen to you.

Credit Life and Credit Disability Benefits Include:

  • Immediate Coverage for Eligible Members
  • Insurance That Helps Give You Peace of Mind
  • Complements Existing Insurance

Ask your Best Reward Loan Officer for full benefits and details!

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Obtain Your FREE, No Obligation Quote


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 Credit 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. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. Unique ID & Copyright CDCL-0713-D0E0, © CUNA Mutual Group 2014, All Rights Reserved.


GAP (Guaranteed Asset Protection)

Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.

This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000.

Contact your Best Reward Loan Officer to learn more about adding GAP Plus to your vehicle loan so you can worry less about tomorrow!

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Obtain Your FREE, No Obligation Quote

Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), is optional and 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 your loan amount 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, RI, 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 choose 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 purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP-2454900.1-0319-0421© CUNA Mutual Group, 2019. All Rights Reserved.


MRC (Mechanical Repair Coverage)

It Pays to be Prepared!

Car problems are inconvenient and expensive so be prepared. Smart drivers are choosing MEMBER’S CHOICE® Mechanical Repair Coverage. It helps protect you against many of the costly repairs no longer covered by your vehicle’s manufacturer’s warranty. Purchasing Mechanical Repair Coverage may be a wise decision and could ultimately save you thousands of dollars in future repair costs.

Ask your Best Reward Loan Officer for more details and enroll today!

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Obtain Your FREE, No Obligation Quote

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is 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. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. MRC-1113-2538, © CUNA Mutual Group 2014, All Rights Reserved.


TruStage Insurance Program

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Insurance Program.

AD&D (Accidental Death & Dismemberment) Insurance

Accidents Can Happen. Be Prepared. AD&D pays a cash benefit in the event of a covered injury or death due to an accident.

Benefits Can Include:

  • A Hospital Benefit
  • Inflation Protection
  • Education Assistance
  • Childcare Assistance

Acceptance is guaranteed for credit union members age 18 and over and there is no physical examination or health questions.

Obtain Your FREE, No Obligation Quote

Call 1-855-626-2721 for more information.

TruStage Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations.

Auto Insurance

You want car insurance that you can depend on and rates you can afford.

Discounts Include:

  • Credit Union Member Discount
  • Multi-Car Discount
  • Anti-Lock Brakes
  • Air Bags, Automatic Seat Belts

Plus You'll Receive:

  • 24/7 Claims Service
  • 24-Hour Roadside Emergency Assistance Coverage*
  • Guaranteed Repairs at Network Shops

If you haven't compared your auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Obtain Your FREE, No Obligation Quote

Call 1-855-483-2149 for more information.

TruStage® Auto & Home Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. *Optional coverage. Requires the purchase of Towing and Labor coverage to cover cost of towing. Subject to policy limits. Emergency Roadside Assistance available anywhere in the U.S. and Canada.

Home Insurance

Whether you live in a house or a high rise, you want reliable insurance protection at rates you can afford. This program offers discounts, personalized service and fast 24/7 claims service (including holidays). You can even get Identity Theft protection - all at a price that you can afford.

Obtain your FREE, No Obligation Quote

Call 1-855-483-2149 for more information.

TruStage™ Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies, including Liberty Mutual Insurance Company and affiliates, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Life Insurance

Life insurance is an important part of a financial safety net you can provide your loved ones in the event of your passing. Life insurance helps provide peace of mind, knowing that your beneficiaries will receive money, when they need it most.

It pays your beneficiaries money, which can be used for any purpose.

  • Provides Cash for Daily Living Expenses
  • Funds Your Children's Education
  • Meets Monthly Mortgage Payments
  • Protects Your Loved One's Future

Obtain Your FREE, No Obligation Quote

Call 1-855-545-4488 for more information.

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members. TruStage™ is the marketing brand for the insurance offered through CMFG Life Insurance Company. The insurance offered is not federally insured or guaranteed or sold by your credit union. Products may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations.

Health Insurance - Enroll by December 15th

Big life changes? Wondering what a qualifying event is? If you need health insurance, we can help sort it all out. Act now! The December 15th open enrollment deadline will be here soon.

Obtain Your FREE, No Obligation Quote

Call 1-855-990-1296 for more information.

The TruStage® Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth, LLC. GoHealth, LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Hawaii, Vermont and Rhode Island. TruStage Insurance Agency, 2015, All Rights Reserved.