Be Protected

Protect your family from life's unexpected moments. 


A wrecked vehicle can wreck your finances if you owe more on your loan than your insurance will pay. Guaranteed Asset Protection (GAP) insurance protects against the hardships of your vehicle being stolen or totaled due to an accident. In these unfortunate events, sometimes a borrower can owe significantly more than the value of the vehicle – this is known as the "gap."

If a loss occurs, GAP insurance will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan. GAP is like an airbag for your vehicle loan.

Take your protection a step further! In addition to the coverage mentioned, GAP Plus may also cancel part of your next loan with your credit union, when you purchase a replacement vehicle.

Ask a Financial Services Representative about GAP & GAP Plus coverage so you can worry a little less about tomorrow.

Extended Vehicle Warranty

Guaranteed Asset Program

Mechanical Repair Coverage helps protect your vehicle by picking up where manufacturers’ warranties end. Plus, it is typically less expensive than dealer warranty options. Coverage is available for newer, as well as older year model vehicles.

Coverage Benefits

  • Rental Reimbursement
  • 24-Hours Emergency Roadside Assistance
  • Eligible at Numerous Repair Facilities
  • No out of pocket expense*
  • Transferable
  • No Contract – Cancel at any Time
  • Reduce Risk

*Excluding any potential deductibles

Multiple plan options are available, call us to find out which one is right for you!

Credit Life and Credit Disability Insurance

Credit Insurance

United Community offers two types of Credit insurance options that may protect your loan payments, and most importantly your family in the event of a tragedy. If you pass away or become disabled by sickness or accident, Credit Life Insurance or Credit Disability Insurance can make payments to reduce or pay off your loan, up to the policy maximum, in the event of a covered life event, injury, illness or death. You can help your loved ones be prepared for the unexpected financial changes that come along with these difficult situations. Coverage is available at reasonable rates for conventional and open-ended loans.  Premiums are added to your loan payments.


In your time of need, our claims process is quick and easy. If you elected credit life or disability on your loan, you can use this convenient claims process to quickly and easily file your insurance claim.

To begin, please fill out a claim form at

If you prefer, call 1.800.621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. MEMBER'S CHOICE® credit life and credit disability insurance is underwritten by CMFG Life Insurance Company. Users have experienced issues accessing our claims portal when using Internet Explorer (IE), we would recommend using Chrome/Fox/Edge as your browser. 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. CDCL-2707623.1-0819-0921