Member Insurance

Discounted Member Insurance - Homeowners, Renters & Auto

You trust Heritage to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

• MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
• Convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24-hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

Click here for a FREE quote.

Accidental Death and Dismemberment Insurance

You've worked hard to ensure your financial security. But what would happen to the people you care about if there was an accident? You can ease the emotional strain of such a loss by relieving some of the financial stress from your loved ones.

The Accident Protection Program is a simple, economical way to strengthen your personal insurance portfolio and ensure your loved ones are financially protected. Accidental Death and Dismemberment Insurance provides a payment to your beneficiary if you die or suffer specified disabilities as a result of an accident.

• $2000 complimentary coverage
• Double benefit payment: paid if you are in an accident as a passenger of public transportation
• Paralysis benefit: pays up to 100% of the coverage
• Education benefit: assists with educational expenses for your children

PLUS...

• Affordable group rates: you can purchase up to $250,000 of additional coverage for yourself or your family for as low as $1.10 per month for each $10,000 of coverage
• Convenient payment method: have your low, monthly premium deducted from your Heritage Credit Union account

Your Accidental Death and Dismemberment insurance coverage offered through Heritage Credit Union will be underwritten by The Standard Insurance Company, provided through Financial Solutions Association, and administered by Institution Solutions I, LLC.

If you have already accepted the $2,000 of AD&D coverage provided by Heritage Credit Union, no action is required for you to continue this coverage. To enroll online or learn more about your coverage, click here. To review or print the new certificate of insurance, click here. If you have questions, you can contact your local branch or Institution Solutions at (888) 807-6843.

Medicare Suite Program

Older members may be worried or confused about healthcare coverage. Heritage can help deliver peace-of-mind with the Medicare Suite Program:

• Lower out-of-pocket costs
• Helps control and minimize gaps in traditional Medicare coverage
• Provides access to a variety of care
• Includes customer service resources to answer your questions
• Medicare Guidance Center provides you with consultation and advice

Three types of coverage:

Medicare Advantage (Medicare Part C)

• Provides gap coverage for those enrolled in Medicare Parts A & B; can include Part D
• Can lower out-of-pocket costs
• Can be tailored to meet your needs

Prescription Drug Plans (PDP)/Medicare Part D

• Can help lower medication costs
• Provides access to a variety of care/service programs
  

Medicare Supplement (Medigap)*

• For members enrolled in Medicare Parts A & B
• Covers gaps in original coverage