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Secure My Family: Aspire Insurance Products

Family Insurance ProductsLike all parents, you will do anything you can to keep your family safe and secure. That includes insuring your financial well-being throughout the years. We offer the following products to help you secure your family’s financial well-being.

Custodial Account

A Custodial Account is another savings vehicle for your children. It allows you to save money for your child’s future needs, while shifting taxes on the account’s earnings to the child’s lower tax rate. Please consult your tax advisor for complete details and specific advice.

The Family Security Plan

The Family Security Plan®’s products have been protecting thousands of credit union families for over 40 years.  The Family Security Plan® offers voluntary supplemental insurance benefits that fit your lifestyle and budget.

The Family Security Plan® is different from other insurance companies.  Getting coverage is quick and easy, all you need to do is answer a few simple questions and no physical exam is required.*  The Family Security Plan® also offers personalized service and will find a plan that fits your unique needs.

The following suite of products is available to credit union members:

Whole Life Insurance
Secure your family’s future with permanent protection that never expires.  Should you need cash for any purpose, you may borrow against the cash value in your life insurance policy.

Disability Income Insurance
In the event that you are unable to work due to a disabling injury or illness this is a convenient, affordable way to ensure you have income.

Critical Illness Insurance
Focus on getting better with a lump sum benefit paid directly to you upon the first diagnosis of a covered critical illness.**

Accident Insurance
Handle the medical and out of pocket costs that add up after a covered accidental injury with this benefit.

A personal planner from The Family Security Plan® will help you design a plan specifically for you.  Call 855-789-4976 today for a complementary consultation or visit the rep in the credit union lobby.

Want more information?  Visit www.familysecurityplan.com

*Issuance of a policy and the payment of benefits may depend on the answers provided in the application and the truthfulness thereof.
**Covered critical illnesses are defined in the policy. 

TruStage AD&D Insurance

TruStage AD&D (underwritten by CMFG Life Insurance Company) can be an affordable supplement to life insurance. If a serious accident occurs, AD&D could help your family in its time of need.

Coverage can be affordable. Because it only applies to accidents, it can cost about $10 per month for $100,000 in protection.

Acceptance is guaranteed. There are no health questions or medical exams. If you’re a member of a participating credit union and over 18, you cannot be turned down.

Click here for more info.

Auto & Homeowner’s Insurance:

You trust your credit union to offer products and services to help you do more with what you have. That’s why we’ve joined with a dedicated team of insurance professionals to bring you TruStage Home & Auto Insurance Program

Working with carefully selected insurance partners, the TruStage Home Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service. You’ll get quality coverage for your home: liability, personal possessions and additional living expenses. If you haven’t compared auto or home insurance lately, it’s a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today!

TruStage™ Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Mechanical Breakdown Protection (MBP) & Guaranteed Asset Protection (GAP) Insurance

Aspire offers two ways in which you can protect your vehicle. Mechanical Breakdown Protection (MBP) provides protection against mechanical breakdowns above and beyond the original manufacturer’s warranty and Guaranteed Asset Protection (GAP) covers the deficiency balance on your loan in the event of a total loss.

Mechanical Breakdown Protection can help ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure. Most importantly, Mechanical Breakdown Protection provides Peace of Mind so you can experience worry-free driving!

Guaranteed Asset Protection (GAP) coverage protects you against financial risk. If you are financing your car, light truck, or SUV you could face financial risk that your auto insurance policy may not cover if it is totaled or stolen. In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a deficiency of several thousand dollars that you’re liable for! GAP coverage will keep you secure.

Click here to learn more and get a free, no obligation quote.


Help Safeguard Your Loan with MEMBER’S CHOICE™ Borrower Security
You have dreams for yourself and your family – a happy retirement, college plans, a new car. But have you considered how you or your family would cover your financial obligations if you fell victim to an unfortunate event? MEMBER’S CHOICE™ Borrower Security can help when the unexpected hits.

MEMBER’S CHOICE Borrower Security cancels your eligible loan balance, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.


With MEMBER’S CHOICE™ Borrower Security, every eligible member pays the same fee and you only buy enough protection to cover your loan balance. Tying protection directly to your loan means you’ll have exactly the right amount of protection – no more, no less, and that saves you money. Other benefits include:

  • Simple eligibility requirements
  • Fast, easy enrollment
  • Immediate enrollment for eligible borrowers
  • Convenient – fee can be included in your monthly payment

You can count on MEMBER’S CHOICE™ Borrower Security to step in when you and your family need help the most.

Contact a Loan Consultant at 732-388-0477 to learn more about the plans available.

*This is a summary of our Payment Protection program. Enrollment in the program is voluntary and not required to obtain a loan. Member’s Choice Borrower Security Program is a debt cancellation product available through Aspire Federal Credit Union. Please contact your Aspire Federal Credit Union Loan Consultant, or refer to the Member Agreement for additional information on benefit maximums, eligibility, and limitations.

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Insurance products and services are not insured by NCUA.


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