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Insurance & Loan Protections

Make Sure You're Covered

Debt Protection Claims

You can now file a Debt Protection claim quickly and easily online. If you need more information, click here.
file a claim

TruStage Insurance Products

Link to trueSTAGEThere’s nothing like the feeling that you can handle anything that comes your way, and TruStage Insurance products & programs help you get there. They’re made available through the companies of the CUNA Mutual Group, working with America’s credit unions and credit union members like you since 1935. We’re committed to providing insurance and investment products that make sense for you, your life, and your budget. And we’re always here to help.

insurance center

TruStage Auto & Homeowners Insurance Program

Auto Insurance for Oregonians Credit Union Members

Oregonians is partnered with a dedicated team of insurance professionals to bring you the TruStage Auto & Homeowners Insurance Program.

  • The TruStage Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.
  • Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
  • Receive fast, easy access to claims service 24 hours a day.
  • Obtain a free, no-obligation quote.

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TruStage™ Auto and 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.

Accidental Death and Dismemberment Insurance (AD&D)

Financial hardship is one thing your family doesn't need to worry about if unexpected death should occur. AD&D insures you if you lose your life or a limb in an accident.

Call (877) 636-2377 for questions on the AD&D program.

For an affordable rate, you can get up to $300,000 of protection. No medical exams are required and coverage is guaranteed as long as premiums are paid. In addition, AD&D provides the following benefits:

  • Affordable premiums
  • Family plans that insure you, your spouse and children
  • Double benefit payment for covered loss while a passenger on public transportation
  • Built-in inflation protection
  • College funding assistance when a covered accident occurs
  • Coverage if you lose a limb, your sight or hearing in an accident

Learn More

TruStage™ is the marketing brand for Accidental Death & Dismemberment Insurance issued by CMFG Life Insurance Company aka CUNA Mutual Insurance Society, Waverly, IA. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by credit unions.

TruStage Life Insurance

Exclusively for Credit Union members, we offer TruStage Life Insurance to help you protect the people who matter most in your life. With many different options in whole and term life policies, doesn't it make sense to check rates and look into this important coverage?

TruStage Life Insurance
TruStage life insurance plans and policies offer affordable rates to fit your budget. 

Call (888) 888-0376 for more information on the Life Insurance program.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Guaranteed Auto Protection (GAP) Plus

Vehicles often depreciate rapidly and vehicle loan terms have typically been increasing in duration. GAP Plus will help cancel the difference between the primary insurance settlement and what you may still owe on your vehicle loan. In addition, if your vehicle is stolen or totaled in an accident, it will cancel $1,000 of your next loan with the credit union, when you purchase a replacement vehicle within 60 days of your primary insurance settlement. GAP Plus helps you prepare for the unexpected.

And getting GAP coverage through us costs much less than buying it through auto dealers. For more details on GAP coverage, contact one of our Member Service Officers.

Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage (MRC) can help cover the unexpected costs of parts and labor and can help keep your vehicle on the road longer. If you’re planning to keep your vehicle beyond the manufacturer’s warranty, it could be the right way to go. Our MRC plans also come with additional benefits that include rental reimbursement, 24 hour emergency roadside assistance and travel expense reimbursement.

MRC Direct: monthly payments, no contract

With MRC Direct, you can now you can enjoy the freedom of comprehensive Mechanical Repair Coverage without the long-term contract. MRC Direct offers the same benefits as regular MRC coverage but with convenient monthly payments, no vehicle mileage limitations, and a customizable deductible.

mrc direct - get a quote

Debt Protection

When you open a loan with us, you can opt for Debt Protection. Debt Protection will cancel or waive your loan payment(s), up to the contract maximums—helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.

Many events are included, some of which are:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Call us at (503) 239-5336 for more information on our Debt Protection program.

Need to file a Debt Protection claim?

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:

  • Life,
  • Terminal Illness,
  • Accidental Dismemberment,
  • Hospitalization,
  • Family Medical Leave,
  • Loss of Life of a Dependent,
  • Disability,
  • Involuntary Unemployment

We do not recommend filing a claim using an Internet Explorer browser. Page items and features may be missing if you are using this browser type.

file a claim

If you prefer, call 844.707.4964 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union


Q: Why did my credit union decide to mail me information on insurances?

A. Making a decision about insurance should be both convenient and private. We want to ensure you can make the right decision from your home without any sales pressure.

Q: How did CUNA Mutual Group (TruStage) get my name?

A. We specifically chose to partner with TruStage because we wanted to offer our members a variety of valuable insurance coverage options at affordable rates. That's why we authorized CUNA Mutual Group to mail to our members.

Q: How does CUNA Mutual Group address privacy?

A. CUNA Mutual has a strong commitment to protect member information. They have allocated significant human and technical resources to manage and protect member data. CUNA Mutual Group employees also go through mandatory privacy training.

Q: When I call the toll-free number, am I going to get a high-pressure insurance agent who will try to talk me into buying something I don't want?

A. One of the reasons we decided to partner with CUNA Mutual is for their focus on your needs, not a sales quota. Their representative will discuss your life situation and recommend plans that will help you accomplish your goals and accommodate your lifestyle. The choice to buy is completely yours. No pressure, just information to help you make an informed decision.