Member’s Choice® Credit Life Insurance and Disability Insurance

NextStep makes it easy to ensure your family is provided for if the unexpected occurs.

When you take out a NextStep loan you may be offered the option to insure your loan against death or disability

With Member’s Choice Credit Life Insurance, if you die while your NextStep loan is still being actively serviced, Member’s Choice will pay off the loan, up to the policy maximum.

And with Member’s Choice Credit Disability Insurance, if you become totally disabled, Member’s Choice will cover your loan payments up to the policy maximum while you remain disabled. Regular disability insurance typically only covers a fraction of your salary, and only if you qualify.

Coverage by both policies begins immediately upon completion of your loan documents. Your premium is included in your monthly payments. And you can cancel coverage with a full refund any time during the first 30 days of coverage.

To make a claim

Call: 1 (518) 286-1611 or email:

Member’s Choice® Credit Life Insurance and Member’s Choice® Disability Insurance are provided by CUNA Mutual Group, the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.

These policies are underwritten by CMFG Life Insurance Company. Both are 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 Group Policy for a full explanation of the terms.

CDCL-0713-659D, © CUNA Mutual Group 2014, All Rights Reserved