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Insurance & Coverage

As part of our ongoing commitment to providing members with comprehensive financial solutions, we are pleased to make available to you, through our partnerships, insurance options that provide valuable protection for you and your family. As a member you are eligible for the following insurance products:


Disaster Relief and Loss Claim Information

Damage to Your Home? What do I do?

Step 1. Contact your insurance company if you have any property damage
Your first step is to contact your insurance company and file a claim. Find out when an adjustor will come and when to expect any claim checks.

Step 2. Call a home loan service expert at 1-866-840-4152 and let us know you filed a claim
We’ll provide you important details on how to process your claim check. We’ll discuss how NavyArmy will be involved in the process to restore your home. We’ll look for other ways we can help, like offering flexible loan payment options.
No matter how significant your property damage – even with a complete loss of your home – we’ll work with you to review all of your options.

Step 3. Endorse the insurance check and start the repair process
When you receive your insurance check, you’ll notice that Navy Army Community Credit Union is named on it. As the mortgage provider, we have a financial interest in ensuring your property is restored. Contact a home loan service expert at 866-840-4152 as soon as you receive your check. We will give you the information and forms you need to move forward with repairs.

For minor damages, We’ll endorse the insurance check to you to manage the repairs. If the Total Loss Proceeds (TLP) is less than or equal to $20,000 and your loan is current, NavyArmy won’t oversee the repairs. Instead, we’ll endorse the check completely to you to manage the repairs.

For significant damages or if your loan is not current, NavyArmy will help monitor the repairs to your home. If the TLP is greater than $20,000 or if your loan is not current, we’ll work with you to ensure your property is restored. You can endorse the check and present it to any NavyArmy branch or mail it to our Loss Draft Department for processing.

Navy Army Community Credit Union
Attention: Loss Draft Department
1 Corporate Drive, Suite 360
Lake Zurich, IL 60047-8945

Do you need payment help?
Disasters don’t only hit homes. A disaster can affect your financial situation as well as your home by damaging your workplace or causing a drop in your income. If you experience any financial hardship due to a disaster or property damage, we may be able to help with flexible mortgage payment options. Please contact a home loan service expert at 866-840-4152.

TruStage- Health-Auto-AD&D

TruStage: Insurance the credit union way.Insurance protection is part of a solid financial plan. That’s because dependable coverage helps ensures financial relief when you need it most. And along the way, that coverage means you’ll take comfort in knowing you’re protected.
Founded on nearly 80 years of working together with credit unions, we make a variety of insurance products and programs available to members like you—and help you protect what matters most.
Welcome to TruStage and insurance the credit union way. To learn more, get quotes or just explore, visit TruStage

© TruStage Insurance Agency, 2013. All rights reserved.

TruStage™ insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies.

Mortgagee Clause

Insurance Mortgagee Clause:
Navy Army Community Credit Union
Its Successors and/or Assigns
P.O. Box 961292
Fort Worth, TX 76161-0292

Coverage Services

Credit Life & Disability Insurance
          • NavyArmy offers optional credit life and credit disability insurance on any credit union qualifying loan
          • Protects your family from unexpected financial tragedy
          • Affordable group rates
GAP Coverage
          • New cars often depreciate faster than loan balance
          • This gap is significant if new car is stolen or considered total loss within first few years
          • GAP coverage pays the difference between depreciated value and outstanding loan balance
Vehicle Service Agreement
          • Various levels of customizable coverage to meet habits and needs
          • Rates typically less than similar warranties/service contracts from other companies
          • Repair work doesn’t have to be done at specific location
          • Offers additional benefits like towing/roadside service, rental car coverage, tire service, and trip interruption service
          • Benefits vary by state