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, 而不是需要却没有. Patelco通过TruStage提供人寿保险1, where you can select the policy that’s right for you.
整个人生 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.
人寿保险可以很容易而且负担得起, and you’ll feel confident that your loved ones are protected.
不需要体检
在保单有效期内有效
无到期日的终身保险
前30天内免费取消
Typically, 整个人生 offers lifetime coverage that can help pay for final expenses and may include a cash value component that you can tap into during your lifetime.
Term Life provides a guaranteed death benefit for a predetermined number of years. There is generally not a savings component to Term Life policies.
你是否愿意自己投资, 只是需要一点帮助, 或者需要定制的投资策略, Patelco金融解决方案2 can help you stay on the right track today – and tomorrow. We’ll even provide you with a complimentary financial consultation. 开始很容易!
Patelco提供保险解决方案3 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. 你准备好迎接预期了吗?
What if there’s an injury and you’re unable to work? 你目前的保险范围够吗? 或者万一你意外死亡, 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, 不超过合同的最高限额, 如果你有失业保险, 残疾或去世.
但是如果其他意想不到的开支出现了怎么办? 你能弥补差额吗?
例如, 得到一辆新车是令人兴奋的, 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, 这个差距可能是数千美元.
一次性费用为595美元, 资产保障, 或GAP Plus, can help reduce that gap and put you back where you belong – behind the wheel. 它可以作为你贷款的一部分. 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, 租金和差旅费报销, and more. So when life throws you an unexpected curve – you can be covered.
向团队成员询问报价或了解更多信息 Patelco.org/insurance.
我需要什么样的保险呢? 获得关于多少汽车保险的指导, if you need life insurance and how much and how to evaluate the cost of health insurance.
Having an emergency savings fund is the best way to weather an unexpected financial hardship. Get expert advice on how to manage your emergency money.
关于人寿保险的思考? Get the facts from Patelco to find out about the types of life insurance, 它涵盖了什么, 以及你可能需要多少人寿保险!
1 TruStage insurance is underwritten by CMFG 人寿保险 Company, a company that’s consistently rated ‘A’ (Excellent) for financial stability by AM Best. 例如，sit1, sit2-5367300.1-1222-0224
2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. （“中心”），注册经纪交易商（会员） FINRA/SIPC)和美国证券交易委员会注册投资顾问. 透过中心提供的产品： 没有NCUA/NCUSIF或其他联邦保险, 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. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.
3 Insurance products are not deposits of 帕特尔科信用合作社 and are not insured by the NCUA. They are not guaranteed by 帕特尔科信用合作社 and may be subject to risk. Any insurance required as a condition of an extension of credit by 帕特尔科信用合作社 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 帕特尔科信用合作社. Insurance products are offered by Patelco Insurance Services, 加州保险代理公司（许可证#0C97544）. Any complaints may be filed with the California Department of Insurance at insurance.ca.gov.
所有陈述均受条款约束, 除外责任, 条件, 适用保险政策的限制. 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. 某些折扣只适用于特定的保险项目. 在法律允许的范围内, 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.
