TruStage™ Debt Protection
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.
🔒 THREE PROTECTION LEVELS TO CHOOSE FROM
🔵 LifePlus
A strong foundation of protection for major life events.
Covers:
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Death
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Accidental Dismemberment
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Terminal Illness
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Hospitalization
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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:
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All LifePlus benefits
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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:
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All LifePlus Disability protections
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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:
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Benefits are applied directly to your loan
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Payments may be reduced or cancelled
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Remaining balance may be cancelled (depending on the plan and event)
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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 your monthly loan payment will increase based on:
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The plan level you select
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Your loan balance and loan type
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Coverage limits and program terms
All pricing will be fully disclosed before you enroll, and you may cancel coverage at any time.
🔁 CAN THIS BE ADDED TO AN EXISTING WCTFCU LOAN?
Yes. Eligible members may add TruStage™ Debt Protection to:
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New loans
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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.
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.