A good financial plan should include insurance as a key component. It’s crucial to find coverage that meets your needs from a reliable source, as the right insurance can provide a sense of security.
Backed by more than 80 years of working with credit unions and their members, TruStage® is here to help protect what matters most. Trust us for all your insurance needs, including Life, Auto & Home, Accidental Death & Dismemberment coverage, and more.
Get an instant, no-obligation quote or explore your coverage options at trustage.com
Find the right insurance for you.
AUTO INSURANCE
You could be paying too much for Auto Insurance.
RENTERS INSURANCE
TruStage Home Insurance Program helps to protect your apartment.
LIFE INSURANCE
Rates are designed to be simple and fit your budget.
HOMEOWNERS INSURANCE
Help protect your biggest investment—inside and out.
CONDO INSURANCE
If you haven’t compared condo insurance lately, it’s a great time to take a look.
ACCIDENTAL DEATH & DISMEMBERMENT
Your acceptance is guaranteed with no health questions or medical exam.
Why get your insurance coverage with TruStage?
A Trusted Provider
TruStage covers more than 37 million credit union members. You can rely on them to cover you, too.
Coverage for Any Need
No matter what you may need to protect, TruStage can help you get the insurance you need. They have plenty of options to fit your lifestyle and your wallet.
Affordable Coverage
As a Federal Credit Union Service Organization, TruStage is commited to providing high value at low cost for policy holders.
Excellent Service
As a member-driven organization, TruStage is focused on the experiences and support they provide to policy holders. Let them take care of protecting you.
Frequently Asked Questions
Get to know a little bit more about TruStage and how a policy can benefit you.
How do I apply for insurance?
Signing up for TruStage coverage is quick and easy. Just visit their website built specifically around ACT 1st FCU members.
Who do I contact if I have questions about a policy or getting coverage?
ACT 1st FCU does not provide coverage and does not have access to insurance coverage information. You should visit the TruStage website “Help and Support” page or give them a call at 1-844-337-5830
Are they a reliable insurance provider?
Yes. TruStage was started nearly 100 years ago and continues to grow stronger. Learn more about the organizations financial health and stability.
GAP (Guaranteed Asset Protection)
GAP (Guaranteed Asset Protection) protects you by covering the “gap” between what you owe on your auto loan and the amount your insurance will cover, in the event your vehicle is totaled in an accident or stolen. Look into adding coverage today!
Debt Protection with Life Plus
Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.
Certain eligibility requirements and exclusions may apply to these summaries. Guaranteed Asset Protection (GAP) and the Debt Protection Program are options that do not affect your application for credit or the terms of any credit agreement with ACT 1st FCU. Neither option is a contract for insurance. The products offered:
- are not federally insured
- are not obligations of ACT 1st Federal Credit Union
- are not guaranteed by ACT 1st Federal Credit Union or any affiliated entity
- involve investment risks, including the possible loss of principal; and
- could be offered by an ACT 1st Federal Credit Union employee who serves both functions of accepting members’ deposits and the selling of non-deposit investment products.
Debt Protection Program
| CONSUMER OPTIONS SUMMARY | Option 1 Life Plus, Disability, Involuntary Unemployment | Option 2 Life Plus, Disability | Option 3 Disability | Option 4 Life Plus |
|---|---|---|---|---|
| Who is Covered | Individual Borrower, Joint Borrowers | Individual Borrower, Joint Borrowers | Individual Borrower, Joint Borrowers | Individual Borrower, Joint Borrowers |
| Cost per Month | Single: $3.13/$1,000 Joint: $5.22/$1,000 | Single: $2.27/$1,000 Joint: $3.90/$1,000 | Single: $1.69/$1,000 Joint: $2.61/$1,000 | Single: $0.75/$1,000 Joint: $1.37/$1,000 |
| Life Plus Benefits | Balance Cancellation Up to $100,000 Graded - Simplified Pre-Existing Condition No Age Maximum | Balance Cancellation Up to $100,000 Graded - Simplified Pre-Existing Condition No Age Maximum | Not Included with this Option | Balance Cancellation Up to $100,000 Graded - Simplified Pre-Existing Condition No Age Maximum |
| Disability Benefits | Payment Cancellation Up to 24 Months or $24,000 Pre-Existing Condition Begins on 1st Day of Disability No Age Maximum | Payment Cancellation Up to 24 Months or $24,000 Pre-Existing Condition Begins on 1st Day of Disability No Age Maximum | Payment Cancellation Up to 24 Months or $24,000 Pre-Existing Condition Begins on 1st Day of Disability No Age Maximum | Not Included with this Option |
| Involuntary Unemployment Benefits | Payment Cancellation Up to 6 Months or $3,000 Begins on 1st Day of Unemployment No Age Maximum | Not Included with this Option | Not Included with this Option | Not Included with this Option |
| HOME EQUITY OPTIONS SUMMARY | Option 1 Life Plus, Disability, Involuntary Unemployment | Option 2 Life Plus, Disability | Option 3 Disability | Option 4 Life Plus |
|---|---|---|---|---|
| Who is Covered | Individual Borrower, Joint Borrowers | Individual Borrower, Joint Borrowers | Individual Borrower, Joint Borrowers | Individual Borrower, Joint Borrowers |
| Cost per Month | Single: $3.27/$1,000 Joint: $5.48/$1,000 | Single: $2.60/$1,000 Joint: $4.49/$1,000 | Single: $1.48/$1,000 Joint: $2.35/$1,000 | Single: $1.12/$1,000 Joint: $2.14/$1,000 |
| Life Plus Benefits | Balance Cancellation Up to $100,000 Graded - Simplified Pre-Existing Condition No Age Maximum | Balance Cancellation Up to $100,000 Graded - Simplified Pre-Existing Condition No Age Maximum | Not Included with this Option | Balance Cancellation Up to $100,000 Graded - Simplified Pre-Existing Condition No Age Maximum |
| Disability Benefits | Payment Cancellation Up to 24 Months or $24,000 Pre-Existing Condition Begins on 1st Day of Disability No Age Maximum | Payment Cancellation Up to 24 Months or $24,000 Pre-Existing Condition Begins on 1st Day of Disability No Age Maximum | Payment Cancellation Up to 24 Months or $24,000 Pre-Existing Condition Begins on 1st Day of Disability No Age Maximum | Not Included with this Option |
| Involuntary Unemployment Benefits | Payment Cancellation Up to 6 Months or $3,000 Begins on 1st Day of Unemployment No Age Maximum | Not Included with this Option | Not Included with this Option | Not Included with this Option |
| CREDIT CARD OPTIONS SUMMARY | Option 1 Life Plus, Disability, Involuntary Unemployment |
|---|---|
| Who is Covered | Single and/or Joint Borrower |
| Cost per Month | $3.59/$1,000 |
| Life Plus Benefits | Balance Cancellation Up to $100,000 Graded - Simplified Pre-Existing Condition No Age Maximum |
| Disability Benefits | Payment Cancellation Up to 24 Months or $24,000 Pre-Existing Condition Begins on 1st Day of Disability No Age Maximum |
| Involuntary Unemployment Benefits | Payment Cancellation Up to 6 Months or $3,000 Begins on 1st Day of Unemployment No Age Maximum |
