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Payment Protection Plan

Member's Choice Credit Disability & Credit Life Insurance

Protect Your TopMark Loan

You’re prepared to make the financial obligation that comes with taking out a loan, but are you prepared for the unexpected? Loan protection options from TopMark Federal Credit Union can help protect you and your family from unplanned out-of-pocket expenses.

Your unexpected disability or death can affect your household’s income level and change your family’s standard of living in an instant, making household financial commitments difficult to meet.  Struggling to make loan payments on a reduced or lost income is another heavy burden your family shouldn’t have to bear.

When you choose to protect your loans with MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, you’re planning for your family’s financial future.* 

Credit Disability Insurance:

With MEMBER’S CHOICE Credit Disability Insurance, if you’re disabled due to injury or sickness, your loan payments will be paid until you’re no longer disabled, your loan is paid, or you reach the policy maximum.*

Credit Disability Insurance
Plan Type:
14 day/Non-retro
Maximum Monthly Benefit:
$600
Total Benefit Maximum:
$30,000
Maximum Issue Age:
66 years
Termination Age:
66 years

Credit Life Insurance:

With payment protection like MEMBER’S CHOICE Credit Life Insurance, if you pass away and your claim is payable, your eligible loan balance is reduced or paid off. 

Credit Life Insurance
Total Benefit Maximum:
$30,000
Maximum Issue Age:
70 years
Termination Age:
70 years

MEMBER’S CHOICE Credit Life and Credit Disability Insurance help conserve your family’s savings and allows them to use other insurance funds to meet day-to-day living expenses, preserving the standard of living you worked so hard to achieve.

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Extended Warranty

Helps protect your investment from costly mechanical breakdowns.

Our Extended Warranty has a complete line of coverage designed to keep your vehicle on the road. Coverage levels are

Level 1: includes engine, transmission, and drive axle.

Level 2: includes engine, transmission, drive axle, brakes (ABS and Non ABS), air conditioner, steering, suspension, fuel, and electrical.

Level 3: our top level of coverage, covers all items listed, along with all other parts on the vehicle EXCEPT those listed in the section labeled "exclusions" in the service contract.

Benefits included in ALL levels:

  1. Roadside Assistance Services: towing/wrecker service, gasoline delivery, flat tire change, battery-jump service, lockout services, concierge services.
  2. Rental Car Reimbursement
  3. Trip Interruption
  4. Manufacturer's Deductible Reimbursement

See the service contract for complete information regarding coverage.

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