Debt protection is available for all loans, encompassing life insurance, disability insurance, and unemployment insurance. You can have peace of mind knowing that if you become sick, injured, or laid off, these protections can help cover your financial responsibilities. Our affordable debt protection products can continue to pay your credit union loans while you are unable to work.
Our credit life insurance will ease the burden on your loved ones in the event of your death, ensuring they are not left with your bills. Make the proactive choice to sign up for credit life insurance on all your credit union loans.
Life can be wonderful, but it can also become complicated when unexpected events occur. Protecting your loan payments against death, disability, or involuntary unemployment can help safeguard your finances. This protection can cancel your loan balance or payments, up to the contract maximums.
Secure your loan payments today, so you can worry a little less about tomorrow. Remember, purchasing protection is voluntary and will not affect your loan approval.
| In the event of... |
Death |
Disability |
Involuntary Unemployment |
| What happens... |
Protected borrower passes away |
A covered disability occurs due to injury or illness |
A covered job loss occurs |
It cancels this...
up until contract maximums |
Your payments or loan balance |
Your loan payments |
Your loan payments |
| You may be eligible if you... |
Have an eligible loan |
Are a permanent employee who is actively working* |
Are a permanent employee who is actively working* |
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🚗 Mechanical Breakdown Protection
Most major mechanical and electrical failures happen after a vehicle’s factory warranty expires. Beacon’s Mechanical Breakdown Protection helps you avoid unexpected, expensive repair bills by extending your coverage and giving you peace of mind on the road.
When you purchase an extended auto warranty from Beacon, you also receive several complimentary benefits:
🌟 What’s Included Roadside Assistance Rental Vehicle Coverage Tire Hazard Protection Trip Interruption Protection Fuel Delivery Service
🚘 GAP Insurance Protection
If your vehicle is totaled or stolen, will your auto insurance pay off your entire loan balance? In many cases, the answer is no.
That’s where GAP Insurance (Guaranteed Asset Protection) steps in. It covers the difference between your insurance company’s payout and the remaining balance on your auto loan, so you’re not left paying for a car you no longer have.
Why GAP Coverage Matters
• Vehicles often depreciate faster than the loan balance decreases. • Standard insurance pays only the current market value, not what you still owe. • GAP protection ensures you’re financially protected if the unexpected happens. 🛡️ Omni Protect+
Mechanical breakdown warranties cover the parts that make your car run—the engine, transmission, electrical systems, and other components that keep the vehicle moving. But what about everything inside the car? That’s where Omni Protect+ steps in.
🚘 What Omni Protect+ Covers
Omni Protect+ protects the interior and exterior appearance of your vehicle from everyday accidents and cosmetic damage that mechanical warranties don’t touch.
🌟 Interior Protection Accidents happen inside your car too. Omni Protect+ helps cover unexpected damage such as: •Holes, rips, or tears in seats •Stains or damage to interior surfaces •Cosmetic wear that results from accidental mishaps
🌟 Exterior Appearance Protection
Your vehicle’s look matters. Omni Protect+ includes: • PDR (Paintless Dent Repair) for those annoying door dings and small dents • Clear‑coat protection if the finish begins to peel or degrade • Coverage for cosmetic issues that aren’t part of mechanical warranty plans
💡 Why It Matters
Mechanical breakdown warranties keep your car running. Omni Protect+ keeps your car looking great. Together, they create a more complete protection package—inside, outside, and under the hood.
