Your CUSO is always on the lookout for valuable savings opportunities and benefits for its clients. So when we found MEMBERS™ Auto Insurance, a program that offers competitive rates exclusively to CUSO clients, we had to share the savings with you.

• Discounts - Through exclusive client savings discounts, you could save up to $341.28.* Some members save even more.
• Convenient Services - Fast, online access to service is just a click away. Make changes to your auto policy, review and pay your premium or report a claim. Responsive 24-hour access to dependable claims professionals 7 days a week, including holidays.

The CUSO is always on the lookout for valuable saving opportunities and benefits for our clients so when we found MEMBERS™ Homeowners Insurance, a program that offers competitive rates exclusively to CUSO clients for homeowners, condominium or renter's insurance, we had to share the savings with you.

• Discounts - Save money on your homeowners, condominium or renter's insurance through exclusive client saving discounts.
• Convenient Services - Fast, online access to service is just a click away. Make changes to your homeowners policy, review and pay your premium or report a claim. Responsive 24-hour access to dependable claims professionals 7 days a week, including holidays.

Term life insurance plays a key role in meeting the most basic life protection needs of clients. Unlike permanent plans, it provides insurance protection for only a limited number of years. And because term typically does not build cash values it can often be purchased reasonably.

• Practical protection - It can help your family pay off a mortgage, fund education, or protect against lost income in the event of your death.
• Affordability - With competitive rates, you may find this coverage easily fits your budget.
• Easy access - Coverage is conveniently available through three distribution channels: direct mail, call marketing and face-to-face.

Accidental Insurance can supplement your life insurance coverage with a benefit paid upon accidental death or accidental injury.

• No-Cost Coverage - Your CUSO provides an initial basic coverage amount at no cost to you.
• Additional Coverage - You can sign up for additional coverage at affordable rates, and acceptance is guaranteed.

Whole life is the cornerstone upon which the life insurance industry was built. Whole life offers permanent insurance protection and guarantees for as long as you live.

• Stability and guarantees - protection for as long as you live.
• Premiums - Level premiums for life.
• Benefits - Builds cash value over time with loan options.

Looking for a place to invest some retirement dollars with an opportunity to outpace inflation? Variable annuities are a popular choice for potential tax-deferred earnings, death benefits, and the option of creating a monthly lifetime income.

Money invested in a variable annuity can be divided into a wide selection of variable and fixed sub-accounts. Your contract value will rise or fall based on the performance of the underlying sub-accounts you choose.

Looking for a place to invest some retirement dollars safely? Fixed annuities offer predictable tax-deferred earnings, death benefits, and the option of creating a monthly lifetime income.

Fixed annuities either offer a fixed interest rate or an interest rate tied to an index. Both offer protection of your principal and minimum interest rates guaranteed by the underlying insurance company.

Do you have a plan in place to cover any nursing home or in-home assistance you may need in the future? Do you have dollars earmarked for these expenses? This care is expensive - in a time of need, how will you pay for these services?

If you don't have a plan in place to cover these expenses, it's time to learn more about Long-term Care Insurance and the protection it provides.

Do you have a plan in place to cover any nursing home or in-home assistance you may need in the future? Do you have dollars earmarked for these expenses? This care is expensive - in a time of need, how will you pay for these services?

If you don't have a plan in place to cover these expenses, it's time to learn more about Long-Term Care Insurance and the protection it provides.

Your ability to earn an income is one of your most valuable assets, and worth protecting. If you were disabled and unable to work, where would your income come from? How would you pay your bills?

With Disability Income insurance, you'll know how. While disabled, you'll receive a monthly income to live on. And you'll be able to focus on a plan for healing, instead of a plan for paying your bills.

Need insurance but also want to have something to show for it? Variable Universal Life insurance allows you to purchase insurance protection and invest your dollars in variable investment funds at the same time. Any earnings on investments can fund the insurance premiums and also supplement your retirement.

Variable Universal Life insurance is a very flexible way to provide the insurance coverage you need. You can change your premiums, benefits, and investment choices throughout the life of the policy.

MEMBERS® CHOICE Credit Life reduces or pays off the loan should you die

• Protects the lifestyle of your loved one
• Premium is included with your loan payment
• Easy enrollment when you apply for your loan

Debt Cancellation helps protect your credit rating and collateral should a covered event occur.

• Reduces or pays off your covered loan if you die
• Makes covered loan payments if you are disabled
• Protects the lifestyle of your loved ones
• Premium is included with your loan payment
• Easy enrollment when you apply for your loan

MEMBERS® CHOICE Credit Disability is makes monthly loan payments up to the policy maximum should you become disabled due to a covered illness or injury.

• Protects your lifestyle and that of your loved ones
• Protects your credit rating
• Premium is included with your loan payment
• Easy enrollment when you apply for your loan