Insurance Options Available to our Members

Tri-Town Teachers Credit Union offers a number of insurance options that provide protection for its members and their families at reasonable cost. Examine the list below and consider taking advantage of the coverages and benefits available to credit union members.

Accidental Death and Dismemberment (AD&D) insurance

The AD&D insurance is provided under a group policy that is very reasonably priced. A free $1000.00 policy is available to all members who sign up for it. Forms are available at the CU office. You can also purchase additional amounts of up to $300,000.00 on an individual or family basis. Premiums are deducted quarterly from your Tri-Town account. To learn more about AD&D insurance, please stop by our office.

If you curerently have AD&D insurance and have questions about your policy please call customer service at: 1.800.860.7182.

CUNA Mutual Insurance Group

Tri-Town Teachers FCU has had a long and mutually beneficial relationship with The CUNA MUTUAL Insurance Group. They insure our Credit Union and have provided insurance products for over 50 years to our members.

Credit Life and Credit Disability insurance is offered when you apply for a loan. This insurance provides coverage if you become disabled for a covered illness during the time you have the loan and can't work. If you are disabled for more than two weeks and are unable to work, this insurance kicks in and pays your loan payments. Credit Life insurance can help reduce or pay off your loan if you die before the loan is repaid.

In addition to Credit Life and Disability, we have expanded our relationship and now offer their services directly to our members through the CUNA Mutual-MEMBER CONNECT PROGRAM, that is now branded as "Trustage". In so doing our members can obtain Automobile & Home insurance as well as Life Insurance from a trusted source. Members of our credit union have the the opportunity to purchase insurance with discounts of between 5% and 10% over what is generally available to the public.

In addition, if you desire, the premiums can be deducted directly from your credit union account, saving time and effort on your part. Life Insurance will be provided directly from CUNA MUTUAL, while Auto and Home Insurance will be provided through CUNA MUTUAL's partner-Liberty Mutual Insurance.

You may receive offers in the mail and we hope you will find them beneficial to you, but you are under no obligation to accept any offers. If for any reason, you do not wish to receive offers as a part of this program, please let us know and we will make sure that you are not contacted by mail with any offers.

Please review the information below to learn how you can avail yourself of more information and receive a quote if you are interested. (click on the insurance type of interest)

MEMBERS® Auto and Homeowners Program

You trust Tri-Town Teachers Federal Credit Union 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® Trustage Auto and Homeowners Insurance Program.

  • Trustage 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.

Tri-Town Teachers Federal Credit Union members are eligible for a special savings on car and home insurance.

We suggest you get a free quote from Liberty Mutual and see if it's right for you.

For members living in Southwestern Connecticut: To obtain more information or a free, no-obligation quote, please contact Gregory Banks at:

(203) 268-8844 ext 50424;
email Gregory.Banks@LibertyMutual.com;
or visit him online at www.libertymutual.com/gregorybanks

For members not in Southwestern Connecticut: You may obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office by clicking on the button below.

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

For information on the benefits of combining auto and home insurance, click here.

Guaranteed Asset Protection insurance - GAP

Most cars depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, you are still liable to pay the difference, or the "gap" between your insurer's settlement and your loan balance.

GAP is low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

This could save you thousands of dollars.

For just a few dollars a month, GAP can save you from making loan payments on a car, truck, or other vehicle that is beyond repair. or stolen and not recovered. GAP Plus coverage also includes up to $1000 toward your down payment of a replacement vehicle (where allowed by law and when financed by our credit union).

Life Insurance Program

For information on Life Insurance offered through CUNA, click on the graphic button below.

The Benefits of Combining Auto and Home Insurance with Liberty Mutual

Most people do not realize the benefits of getting a quote on auto and home insurance at the same time. Typically, most people request new quotes on their insurance only when they receive their renewal auto or homeowners insurance bill.

Why combine your policies? The most immediately gratifying reason is to save money. Many insurance companies reserve their best rates or apply a discount for their multi-policy customers.

A combined home and auto policy also helps you align coverage's and deductibles to prevent gaps of exposure. For instance, if you need personal liability coverage to protect yourself from being sued regardless of the source, the limits you select on your and auto and home liability should be the same. Similarly, if you are willing to absorb the first $1,000 on a homeowner claim, you should consider the same deductible for an auto loss.

Making claims can be easier, too, when one provider covers losses that involve your home and car. For example, if your car is burglarized and your luggage stolen, damage to the vehicle will be covered by your auto policy, and your personal belongings will be covered by your home policy. One company means one call for both claims.

Money-saving discounts, protection from exposure gaps, and simplified claims: when you think about it, getting information on both at the same time makes good sense.

Sherri Lagana, CLU, ChFC Liberty Mutual Group

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