Accidental Death & Dismemberment Insurance (AD&D)
Each eligible member is provided
with a $2,000 FREE AD&D benefit without cost or obligation. Additional
coverage may be purchased at low, affordable group rates.
Automobile GAP (Guaranteed Asset Protection) Insurance
You could lose more than your vehicle if it is stolen
or involved in a major accident. For the low cost of $250 you can
protect your investment with GAP (Guaranteed Asset Protection). Most
insurance policies only cover the value of the vehicle - something that
rapidly declines during the first few years of ownership - your loan
value could be higher than the value of your vehicle. GAP Insurance
protects you for the difference between what your vehicle is worth and
the pay-off amount (up to the limits of the coverage you purchase) of
your loan in the event your vehicle is damaged beyond repair or stolen.
When you purchase a vehicle for
$30,000 that is what the vehicle is worth. After driving the vehicle for
a year the value drops to $20,000 and you still owe $24,000. If you were
to get into an accident the insurance company would then pay you for the
value of the car not what is owed on the car, leaving you with a $4,000
bill to repay. If you had taken out the GAP policy, then GAP Insurance
would cover the $4,000 plus GAP will give you $1,000 towards the
purchase of a new vehicle if it's financed through Northeast Community
If you have purchased your vehicle in the last
18 months and did not elect to take the GAP policy at the time of
financing you can still purchase GAP Insurance. The GAP insurance can be
added to your loan so that you won't have any out of pocket expense.
PLEASE see a loan officer for full details.
Term Life Insurance
If you are like most people, you
may already have some life insurance coverage. But, if you haven’t
updated it lately, it may not be enough. That’s why we’ve worked hard to
develop a life insurance program customized for our members. This
program uses the buying power of our strong membership to bring you the
most affordable rates on the coverage you may need to protect those you
care about the most.
Choose a benefit amount of $10,000, $15,000 or
$25,000. Keep in mind, the benefit amount you choose will automatically
DOUBLE if you suffer a covered accidental death.
Benefits are NEVER reduced
Long Lasting Coverage until you reach 120 years old
You will never be singled out for a rate increase
30 Day Free Look – Each certificate comes with a
money back guarantee for 30 days
Credit Life & Disability Insurance
We offer a credit life and disability insurance plan
that will pay off or reduce your loan(s) if you should die or take over
your payments (up to the contract limit) if you should become disabled
and be unable to continue working. The cost of the premium is included
in the loan payment(s).
Veterinary Pet Insurance policies provide both
protection for pets and peace of mind for pet owners. These policies
mean finances won't get in the way of giving your pet the care it needs.
The plan covers dogs, cats, birds, and exotic pets for medical problems
and conditions relating to accident, illness, or injury.
Pharmacy Cards allow our members to receive
prescription discounts on brand name and generic medications. The cards
can be used to supplement most health insurance plans including Health
Savings Accounts, high deductible plans, and Medicare Part D cards. The
cards will not lower co-payments on prescriptions already covered by
insurance benefits but do cover non-formulary medications (prescriptions
not covered by health insurance).
Renters' Insurance provides valuable personal
property and liability protection for consumers who rent their
residences including coverage for clothing, furniture, and most other
personal items at replacement cost. A simplified online application
process can provide premium quotes and approval in less than five
Mechanical Breakdown Protection
This product provides you with valuable
protection against costly vehicle repairs. You can be sure your
investment is protected when faced with an unexpected mechanical or
electrical failure. As a result, you will enjoy worry-free driving with
the peace of mind that comes from knowing that tomorrow's repair costs
is paid for at today's prices.
Home Warranty Plan
Our home warranty plan is an indemnified home service
plan which protects homeowners from the high costs associated with home
repair and replacement for all of your major appliances and key internal
mechanical systems. This product an increase your preace of mind and
significantly decrease expenses by providing access to the most
comprehensive home service plan available today. This coverage will
complement your homeowner's insurance policy.
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