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Insurance Services

Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get Started

Get your free quote today or call 1-855-483-2149.

TruStage® Auto & Home Insurance Program is made available by TruStage. Coverage provided and underwritten by Liberty Mutual® Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116 USA © 2020 Liberty Mutual® Insurance.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. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061.  Individual premiums and savings will vary.*Discounts are not available in all states and discounts vary by state.

© 2020 TruStage Insurance Agency


Guaranteed Asset Protection (GAP) — one-time low cost loan protection makes up the gap between your auto insurance and the loan balance in the event of total loss of the vehicle.

GAP is available on all new and existing vehicle loans up to 84 months. (New and Used Vehicles)

Benefits of GAP

If your vehicle is declared an insured total loss, GAP provides the following:

  • Benefits are paid to $50,000
  • Insurance deductible coverage is paid to $1000.
  • $1,000 down payment credit when new loan is financed with Destinations Credit Union

Use our calculator to see how much this protection will cost you.

Get Started

To sign up for GAP coverage, call a helpful Destinations loan officer today!

Learn more about GAP Insurance in this video

MRC can help limit the cost of repairs.

You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of any breakdowns. You pay only the applicable deductible, if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow.

Benefits for covered repairs

  • Limit repair costs to your deductible, if any
  • Choose your deductible: $0 $100 or $250
  • Rental reimbursement up to $35/day for 1-5 days (1-10 days for parts delay.)
  • 24-hour emergency roadside assistance up to $100 per use. Includes towing, battery, jumpstart, fluid delivery, flat tire assistance & lock-out service
  • Travel reimbursement up to $500 for food, lodging & rental
  • Good at any authorized repair facility in the U.S. or Canada
  • No out of pocket expense except any deductible
  • Transferable to increase resale value. Only if sold privately. Subject to transfer fee.
  • Cancel for full refund within 60 days.

Choose the plan that’s right for you.

Platinum Plan

  • High-tech electronics & sensors
  • Entertainment system
  • Hybrid components
  • Safety & security systems
  • Convenience Controls
  • Along with additional coverage, covers any breakdown except items specifically mentioned

Gold Plan | Silver plan plus additional items

  • Power seats, locks & windows
  • Instruments and sensors
  • Heater & A.C.
  • Radiator
  • Fuel tank
  • Horn assembly

Silver Plan

  • Engine
  • Transmission
  • Front wheel drive
  • Rear wheel drive
  • Steering (except rear wheel)
  • Front suspension
  • Brakes
  • Electrical
  • Air conditioning

Next Steps

For more information or a quote for your vehicle, contact a loan officer today at 410-663-2500.

Getting the right coverage can be easy with the TruStage® Health Insurance Program

Need health insurance? The open enrollment period runs from November 1 to December 15.

  • We use our technology and expertise to cut through the confusion and help customers get the right coverage and benefits.
  • 87% of those who enrolled last year qualified for subsidies.*
  • GoHealth advisors can help you find the right plan for you and your family.

Get coverage! Call 1-888-416-2166

The TruStage® Health Insurance Program is made available through TruStage® and GoHealth LLC. GoHealth LLC is licensed to sell nationwide but may not be available in all states. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your depository institution. *87% of those who enrolled qualified for the Advance Premium Tax Credit to lower the cost of their health insurance (based on CMS-2019 OE data). CMFG Life Insurance Company, 5910 Mineral Point Road, Madison, WI 53705 © TruStage 2020


Life insurance needs change throughout your lifetime. Make sure you are adequately covered to protect your family.

Save money with members-only discounted life insurance!

Get Started

Select the links above to get more information or a free quote.

Accidents can happen anytime. Be prepared.

A serious or fatal accident could change your family’s life in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.*

That’s why you’re entitled to $1,000 of no-cost TruStage® Accidental Death & Dismemberment Insurance—an exclusive member benefit fully paid for by Destinations Credit Union.

You can enroll in your no-cost coverage in just a few minutes. If you choose, additional insurance is available for you or your entire family at budget-friendly rates. Your acceptance is guaranteed—with no health questions or medical exam.

Since accidents can happen anytime, there’s no better time to help protect the people who matter most.

*Accident statistic from National Safety Council “Injury Facts,” 2018.

TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677?0061. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Base Policy Series E10a-015-2012, E10a-014-2012, E10a-ADD-2012 and 2018-ADD-POL

© 2020 TruStage Insurance Agency


Explore the AD&D options available to you.


Help preserve your standard of living.

In 2014, 33.5 percent of all unemployed people were jobless for 27 weeks or longer.¹

Whether you’re taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens. You’re betting you can pay back your loan and won’t lose your job (due to no fault of your own), or become disabled (due to injury or illness), or pass away — leaving your family responsible for your loan balance.

Help play it safe.

MEMBER’S CHOICE™ Borrower Security* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements ease the enrollment process.

Ask about protecting your loan payments.

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Destinations Credit Union will cancel or reduce repayment of your loan debt. Help 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. Protected events include:

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

Call a Loan Officer at 410-663-2500 and ask about protecting your loans today.

Try out our Debt Protection Calculators:

*Your purchase of MEMBER’S CHOICE™ Borrower Security is 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 Member Agreement for a full explanation of the terms of MEMBER’S CHOICE™ Borrower Security. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

¹U.S. Bureau of Labor Statistics, Spotlight on Statistics, March 2015


Millions of people lose their identities every year

Don’t be one of them.

Identity theft has been one of the top consumer complaints filed with the FTC for over 15 years. Victims are spending an exorbitant amount of time and money dealing with the consequences and the criminals are only getting smarter. That’s why you need identity theft protection that’s more than a website. Through our partnership with IDShield, licensed private investigators will do whatever it takes for as long as it takes to restore your identity to its pre-theft status.

Click here to get you and your family protected today!

In a perfect world, you’d never need a lawyer, but in an unpredictable world it helps to have a team of lawyers on your side. We are making smart legal coverage simple – in the form of accessible, affordable, full-service coverage through a partnership with LegalShield.

A Team Of Lawyers

Our plans provide you a network of dedicated law firms in 50 states and 4 Canadian provinces made up of seasoned lawyers with an average of 22 years’ experience. Our Provider Law Firms provide legal protection to over a million members, even in covered emergency situations, 24/7/365 days a year.

Why Us?

Legal coverage without the complexity because life can be unpredictable and the law can be complicated. We’ve created a model for legal coverage in which you know exactly what you’re getting and precisely how much you’re paying for it. Once you sign up, you can sit back, relax, and know you’re covered by an entire law firm.

Click on the link below to learn more and get protected today!

Learn More