Debt Protection

Insurance Verification

In order to obtain your loan you may be required to provide proof of insurance in accordance to your Loan Agreement.  Get your insurance verification by a simple click with our Insurance Verification Online Customer Service Center.  Click here to visit to get started.

Debt Protection Products

Payment Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the contract maximums. 

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. 

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply.  Call Essential at 888.369.2207 and ask about protecting your loan today.

GAP (Guaranteed Asset Protection)

If your vehicle was stolen or damaged beyond repair, you may be liable to pay the difference between your insurance settlement (the value of the vehicle) and your outstanding loan/lease balance. For a cost, GAP will cancel or reduce that difference if a protected event occurs!

This product is optional.  Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with us.  We will give you additional information before you are required to pay for the program.  This information will include your cost and a copy of the contract, containing the terms and conditions of the program.  There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under the program.  You should carefully read the contract for a full explanation of the terms and conditions of the program.

Extended Warranty

As your vehicle gets older, the risk and cost of repairs typically increases. Essential FCU, in conjunction with Allied, can help you avoid future costs now with Route 66 Extended Warranty. Route 66 protects you against major mechanical expenses with NO DEDUCTIBLE on covered parts or labor no matter where you may travel to in the United States.  All of Route 66 plans come with Rental Car Allowance and 24 hour/7 days a week Emergency Roadside Service:

  • Towing 

  • Flat Tire Assistance 

  • Battery Jump Starting 

  • Lock-out Service 

  • Safe and Secure Package 

  • Minor Adjustments

For more information or questions , please contact one of our Essential FCU service representatives at 1.888.369.2207phone icon or email us at


TruStage Auto, AD&D, and Life Insurance

TruStage Insurance: Simple, Straightforward, Designed to Fit your Budget.

Insurance is part of a solid financial plan. From finding a policy that fits your budget to making sure your coverage is adequate, dependable insurance can help give you peace of mind today and financial relief when you need it.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most.

To get quotes or just explore your options, visit

Auto Insurance

AD&D Insurance

Life Insurance


© Copyright 2017, TruStage. All Rights Reserved.

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.


Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of  Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. 
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