Insurance


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Insurance Services

Credit Life Insurance
Credit Disability Insurance
Guaranteed Asset Protection Insurance (GAP)
Auto and Homeowners Insurance

Life Insurance, Annuities & Long-Term Care
Accidental Death & Dismemberment Insurance
Hospital Accident Protection Insurance

Companies You Can Trust

Companies that are endorsed by Heritage Valley Federal Credit Union have proven reputations you can trust. We have thoroughly investigated the companies, as well as the products and services they offer. However, as any educated consumer should do, we recommend that members take the time to get all of the facts before they purchase any product or service.

These additional insurance option sources are available to you through your credit union membership.

Credit Life Insurance
With all loans, Heritage Valley offers Credit Life Insurance to our members. Credit Life Insurance provides your survivors with loan repayment coverage if you die. You must be under the age of 65 when the loan is made to obtain credit life payment protection plans.

Credit Life Insurance is an insurance plan that pays off a loan if the member dies before the loan is repaid. This insurance is offered to all members who have a loan at HVFCU. Any primary member, or both the primary and joint member may elect to have coverage on each loan.

Credit Disability Insurance

With all loans we offer Credit Disability Insurance to our members. Credit Disability Insurance provides you with loan repayment coverage if you become disabled through sickness or an accident for more than 14 days. You must work at least 25 hours a week to qualify for Credit Disability coverage.

Guaranteed Asset Protection Insurance (GAP)

Protect your financial well-being. In the event that your vehicle is ever stolen or damaged beyond repair,Guaranteed Asset Protection (GAP) insurance pays the difference between your vehicle's insurance company settlement and the remaining amount due on your auto loan with Heritage Valley. That way you can rest assured that no matter what your auto insurance company pays for the damages done to your car, you will no longer owe any money on your unusable vehicle. In addition to that GAP coverage pays you $1,000 toward the purchase of a replacement vehicle, if you finance it through Heritage Valley.

For under $300, the decision to add GAP coverage to your auto loan should be easy! Ask any Heritage Valley loan officer for more details.

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Auto and Homeowners Insurance

Get a FREE online quote from the MEMBERS Auto and Homeowners Insurance Program, underwritten by Liberty Mutual Insurance Company, to see how much you could save on your auto insurance. As a credit union member, you can also get a FREE quote for MEMBERS Renters insurance.

Life Insurance, Annuities and Long-Term Care Insurance

Heritage Valley has partnered with CUNA Brokerage Services, Inc. to offer our members a comprehensive package of options for various types of life insurance policies, annuities, and long-term care insurance. For more information...

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Accidental Death and Dismemberment Insurance

As an eligible member of Heritage Valley Federal Credit Union you are entitled to receive $1,000.00 of 24-hour Accidental Death and Dismemberment Insurance. There is no cost to you. The credit union pays the premiums. It is just one of the many benefits of credit union membership. Ask for an enrollment form at either office.

Hospital Accident Protection Insurance

The Hospital Accident Protection plan was designed to help our members defray the high cost of hospitalization as a result of an accident. The plan provides cash benefits, paid directly to the members, for each day they are hospitalized. The plan offers two levels of benefits from which to choose - $100 a day or $200 a day, amounts that are doubled if the hospital stay is in intensive care. In addition, the plan offers payment for visits to an emergency room; regardless of the level of coverage, insureds can receive up to $100 per visit resulting from a covered accident. Family coverage is available as well.
• Guaranteed coverage; no medical exams required
• Benefits are paid in cash for the member to use in any way they wish
• The first two months of coverage are no cost to the member
• Coverage is for covered accidents only; hospitalization due to sickness or disease is not covered
• Highly rated underwriter - Hartford Life and Accident Insurance Company; Hartford Life Insurance Company (NY only)

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