TruStage™ Debt Protection
Available to WCTFCU members beginning January 1, 2026
Protect your loan — and your peace of mind.
Life can be unpredictable. TruStage™ Debt Protection is an optional service you can add to your WCTFCU loan to help safeguard your finances when unexpected life events happen.
Depending on the plan you choose, TruStage™ Debt Protection may help cancel or reduce your loan payments or remaining loan balance if you experience a covered event such as disability, involuntary unemployment, terminal illness, hospitalization, family medical leave, or death.
This protection is optional, does not affect your loan approval, and can be added or removed at any time after January 1, 2026.
⭐ WHAT TruStage™ DEBT PROTECTION CAN HELP WITH
Coverage varies by plan, but may include protection during:
LifePlus
-
Death
-
Accidental dismemberment
-
Terminal illness
-
Family medical leave
-
Hospitalization
LifePlus Disability
(Includes all LifePlus protections, plus:)
-
Disability (medically unable to work)
LifePlus Disability & Unemployment
(Includes all LifePlus Disability protections, plus:)
-
Involuntary unemployment (e.g., layoff, business closure, position elimination)
🔒 THREE PROTECTION LEVELS TO CHOOSE FROM
(Available beginning 1/1/2026)
🔵 LifePlus
A strong foundation of protection for major life events.
Covers:
-
Death
-
Accidental Dismemberment
-
Terminal Illness
-
Hospitalization
-
Family Medical Leave
Ideal for members looking for low-cost, broad coverage.
🟢 LifePlus Disability
Expanded protection for members who depend on their income and want extra security.
Covers:
-
All LifePlus benefits
-
Disability (Medically Unable to Work)
A good fit for working members who want coverage similar to long-recognized loan protection programs.
🟣 LifePlus Disability & Unemployment
Our most comprehensive protection option.
Covers:
-
All LifePlus Disability protections
-
Involuntary Unemployment
Ideal for members who want maximum coverage and peace of mind.
💬 HOW TruStage™ DEBT PROTECTION WORKS
If you experience a covered life event:
-
Benefits are applied directly to your loan
-
Payments may be reduced or cancelled
-
Remaining balance may be cancelled (depending on the plan and event)
-
Your loan can stay in good standing during hardship
This protection helps safeguard your credit, your budget, and your loved ones.
💲 HOW TruStage™ DEBT PROTECTION AFFECTS YOUR MONTHLY LOAN PAYMENT
TruStage™ Debt Protection is an optional add-on service.
If you decide to enroll on or after January 1, 2026, your monthly loan payment will increase based on:
-
The plan level you select
-
Your loan balance and loan type
-
Coverage limits and program terms
All pricing will be fully disclosed before you enroll, and you may cancel coverage at any time.
Exact costs and enrollment options will be available after January 1, 2026.
* Note: Members who currently have Credit Life or Credit Disability Insurance will not see an increase in their monthly loan payment due to the transition. You will receive a separate mailed packet with details.
🔁 CAN THIS BE ADDED TO AN EXISTING WCTFCU LOAN?
Yes.
Beginning January 1, 2026, eligible members may add TruStage™ Debt Protection to:
-
New loans
-
Existing WCTFCU loans (subject to eligibility requirements)
If added to an existing loan, the cost of protection is factored into your monthly payment and will be disclosed before enrollment.
📅 ENROLLMENT BEGINS JANUARY 1, 2026
Before this date:
-
Coverage cannot be added
-
Pricing cannot be quoted
-
Enrollment cannot be completed
Our staff will begin assisting members with TruStage™ Debt Protection enrollments after January 1, 2026.
📞 QUESTIONS? WE’RE HERE TO HELP.
You are welcome to contact us at any time with general questions about TruStage™ Debt Protection.
Detailed pricing and plan enrollment will be available beginning January 1, 2026.
TruStage™ Guaranteed Asset Protection (GAP) Insurance
GAP is low-cost coverage that pays the difference between your insurer’s settlement and your loan balance if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss. The GAP premium can be rolled into loan payments. Rates can be quoted at the time of application. In the event of a loss, our GAP Insurance will cancel $1,000 of your next loan with us when you purchase a replacement vehicle within 60 days of your primary insurance settlement.