Routing # 321076470

Life Insurance

The right coverage to help protect the ones you love

Designed to be affordable

Whole and Term Life

Coverage you need

For life’s uncertainties

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888.787.8243

Life Insurance

Life is full of uncertainty, so it’s important to plan for the unexpected. Life insurance is one of those things that’s better to have and not need it, than to need it and not have it. Patelco offers Life insurance through TruStage™1, where you can select the policy that’s right for you.

Whole Life offers lifetime coverage that can help pay final expenses and more, whereas Term Life provides coverage that can help protect your family when it’s needed most.

Life insurance can be easy and affordable, and you’ll feel confident that your loved ones are protected.

Key Features

Flexible coverage

No medical exam required

Term Life

Lasts for the term of the policy

Whole Life

Affordable lifelong coverage

No obligation

Free cancellation within the first 30 days

Frequently Asked Questions

Let's invest in your future

Whether you’re comfortable investing on your own, want just a little help, or need a customized investment strategy, Patelco Financial Solutions2 can help you stay on the right track today – and tomorrow. We’ll even provide you with a complimentary financial consultation. Getting started is easy!

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Coverage for the unexpected

Patelco offers insurance solutions3 for every stage of life, so no matter where you or your family are at, we’ve got you covered. Learn more about how you can help protect yourself and those you love.

    Patelco helps you get ready for the unexpected with our Patelco Protection Plans. We know that life can come at you in the most unexpected ways; that’s why we offer protection plans to help you be financially prepared for anything that comes along. Are you ready for the expected?
    What if there’s an injury and you’re unable to work? Will your current coverage be enough? Or in the event of your unexpected death, will your family be able to keep up with everyday expenses and debt?
    It is possible to plan for the unexpected with our loan and payment protection plan that cancels your loan payments or balance, up to the contract maximums, if you suffer a covered unemployment, disability or pass away.
    But what if other unexpected expenses come along? Can you cover the gap?
    For example, getting a new vehicle is exciting, but it starts losing value the second you drive it off the lot. And if it gets wrecked or stolen you could owe more than your insurance will pay, and that gap could be thousands of dollars.
    For a one-time cost of $595, Guaranteed Asset Protection, or GAP Plus, can help reduce that gap and put you back where you belong – behind the wheel. It can be financed as part of your loan. This averages out to just over $8 per month over the course of a 5 year loan, giving you protection and can help provide you peace of mind.
    But what happens when those big repair bills come along?
    Mechanical Breakdown Insurance (MBI) can help make big repair bills a lot smaller. Just choose a plan and deductible to help reduce your out-of-pocket expenses on covered repairs and get additional benefits like roadside assistance, rental and travel expense reimbursement, and more. So when life throws you an unexpected curve – you can be covered.
    Ask a team member for a quote or learn more at Patelco.org/insurance.

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November 8, 2019

Life Insurance 101

Thinking about life insurance? Get the facts from Patelco to find out about the types of life insurance, what it covers, and how much life insurance you may need!
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Coverage for the ones you love
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1 TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Form Numbers: ICC17-SIT-2 & 2017-SIT-2.

TruStage™ Simplified Issue Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Form Numbers: ICC17-SIWLLB & 2017-SIWLLB, ICC17-SIWLNB & 2017-SIWLNB.

SIT1, SIT2, WHL-6163084.2-1124-1225

2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

3  Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member’s choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products are offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance at insurance.ca.gov.

All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features are not available in all states. Eligibility is subject to meeting applicable underwriting criteria. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations.

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