TruProtection

TRUPROTECTION

When you’re faced with a sudden loss in income, our TruProtection program ensures your credit card, personal line of credit, signature loan or auto loan will continue to be paid over the coverage term.

Protect your family, property and credit rating if the unexpected occurs.

What is TruProtection?

As part of our TruDifference commitment, TruWest® Credit Union offers voluntary “just in case” debt coverage called TruProtection that helps cover your TruWest payments should the unexpected occur. It covers anything from involuntary unemployment to loss of life. Qualified services are eligible for the program and you can choose from one of four plan options. Each plan varies in cost, but can be valuable if you find yourself without the funds to pay your loan due to unforeseen circumstances.

Features and Benefits

Why should you pay for additional coverage? Simple. Unplanned changes and emergencies happen. We don’t want you to be affected adversely. TruProtection will help safeguard your credit rating and collateral, while you tend to the important matter of putting your life back in balance.

Enrolling is quick and easy, with basic eligibility requirements. Plus, coverage is available immediately for eligible borrowers, so you are protected instantly. For convenience, the cost can even be rolled into your monthly loan payment.

Eligible loan types

Services eligible for TruProtection include:
Credit cards, personal line of credit, signature loan or auto loan

Types of Protection

Involuntary Unemployment
It’s hard to anticipate job loss, and you may need help until you get back on your feet. With this feature, we will cancel your monthly payments for up to 6 consecutive months, up to a maximum of $3,000.  

Disability
If you become disabled due to illness or injury, just focus on getting well. In the meantime, this feature will cancel your monthly payments for up to 6 consecutive months, up to a maximum of $6,000.  

Loss of Life  
We hope you are around for a long time, but being prepared helps ensure your family is secure. With this feature, TruWest will cancel your outstanding eligible balance up to $50,000 in the event of death.

Select Your TruProtection Plan

Have peace of mind and select a plan that will help manage unforeseen challenges. Then, speak to your TruWest loan representative to add the TruProtection plan to your loan agreement.*

Plan 1

  • Loss of Life
  • Disability
  • Involuntary Unemployment

Plan 2

  • Disability
  • Involuntary Unemployment

Plan 3

  • Loss of Life
  • Disability

Plan 4

  • Loss of Life

How Do I Enroll?

TruProtection must be added within 30 days of closing. Enrollment is as quick and easy. Contact us today at 1 (855) 878-9378 (that’s 855-TRUWEST) to learn more.

*Cost varies by the loan product and TruProtection option selected.