Insurance & Other Protections

Blue Flame Credit Union is a full-service financial institution offering insurance and payment protection products to protect you, your credit, and your assets.

Vehicle Protection

Auto insurance will cover a lot, but have you considered what an accident or mechanical failure could really cost you out of pocket? Learn about how GAP Insurance and Mechanical Repair Coverage might be just the vehicle debt protection you need.

Borrower Security Debt Protection

An unexpected disability, death or even an involuntary period of unemployment can affect your household’s income level, making your financial obligations very difficult to meet and significantly impact your family’s standard of living. Struggling to make loan payments on a reduced or lost income is a heavy burden that your family should not have to bear, especially when coping with the emotional and physical stress of a disability, death or loss of employment. Blue Flame Credit Union offers MEMBER’S CHOICE™ Borrower Security Debt Protection as a convenient and affordable way to keep your loan repayment on schedule.

  • Disability – In the event of member becoming disabled, the loan payment will be cancelled up to contract maximums during qualified disability period.
  • Loss of Life – Protected loan balance is cancelled up to $50,000 per loan ($100,000 for Home Equity) in case of member’s death
  • Involuntary Unemployment – In the event of member becoming involuntarily unemployed, the loan payment will be cancelled up to contract maximums during the eligible period of unemployment

There are no upfront charges and the cost is added to your loan on a monthly basis. MEMBER’S CHOICE™ Borrower Security Debt Protection will cancel or waive your eligible loan payments. Debt Protection products are available for both new loans and current loans with Blue Flame Credit Union. When applying for a new loan with Blue Flame you will be offered the option to choose from several Debt Protection packages. Additionally, Debt Protection options are available for existing Blue Flame loans. Please contact a Blue Flame loan officer if you wish to add Debt Protection to any of your loans.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. You may cancel this protection at any time. Certain eligibility requirements, conditions and exclusions may apply.

30-Day Free Look

Not sure if Debt protection coverage is for you? Give Borrower Security Debt Protection a try for 30 days. During those 30 days, you can cancel your coverage at any time with no penalty.

Debt protection products are underwritten by CMFG Life Insurance Company.

Automobile & Home Insurance

TruStage® Auto & Home Insurance ProgramTruStage® Auto & Home Insurance Program

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 your free quote online today or call 1-855-589-2146.

You could save $652* on car and insurance. Get a quote. TruStage Insurance Agency

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. 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 coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

© TruStage Insurance Agency

Accidents can happen anytime. Be prepared.

Accidental Death & Dismemberment Insurance

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 $1000 of no-cost TruStage® Accidental Death & Dismemberment Insurance—an exclusive member benefit fully paid for by Blue Flame 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 designed to be 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.

*Centers for Disease Control and Prevention, National Center for Injury Prevention and Control, 2020

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. Products and features may vary by state. Base Policy Series E10a-015-2012, E10a-014-2012, E10a-ADD-2012 and 2018-ADD-POL

© TruStage Insurance Agency


Lump Sum Critical Illness & Accident Insurance

Blue Flame Credit Union has partnered with AFLAC¹ to provide members with access to products to help supplement the other insurances you already have in place.

AFLAC is different from major medical insurance; it’s insurance for daily living. Unlike traditional medical insurance, AFLAC pays cash benefits directly to you², when you suffer a covered loss, which can help with lost income, deductibles or co-pays.

Lump Sum Critical Illness

  • Pays a lump sum benefit up to $100,000 for a covered critical illness event: heart attack, stroke, coma, paralysis, major human organ transplant, end stage renal failure
  • Pays a benefit for a recurrence of the same critical illness event or an occurrence of a different critical illness event with no lifetime maximum
  • Guaranteed issue available to all applicants for $10,000 coverage


  • Emergency Treatment Benefit
  • Specific Sum Injuries Benefit
  • Initial Hospitalization Benefit
  • Hospital Confinement Benefit
  • Accidental Death Benefit

For more information about policy benefits, limitations and exclusions, please contact our AFLAC representative, Naveed Ulhaq at (704) 284-9324 or email,

¹American Family Life Assurance Company of Columbus underwrites coverage. In New York, American Family Life Assurance Company of New York underwrites coverage.
²Benefits are paid directly to you, unless assigned otherwise.

Coverage designed to help protect your family.Life Insurance

Blue Flame Credit Union has partnered with TruStage CUNA Mutual Insurance, to offer you several life insurance options that provide the coverage you and a price you can afford. With choices like term life, whole life, and annuities, you will be able to find the perfect policy to fit your family’s needs.

Coverage designed to help protect your family.

You’ve always done what’s right for the ones you love. Taking steps to help make sure they’re financially covered if you’re no longer here is one more way to show you care.

What’s covered?

TruStage™ Life Insurance provides money your loved ones could use to help pay mortgage or rent, day-to-day bills, medical and funeral expenses — whatever is needed most if you’re not there.

What are the advantages?

TruStage helps you to compare insurance and explore your options — so you could make the right choice for your family.

  • Compare Life Insurance options
  • See instant quotes based on your budget and needs
  • Apply online or over the phone

Give your family a sense of security starting today.

Get an instant online quote. Or call 1-800-814-2914 and talk to a licensed agent.


TruStage Insurance Agency. Life insurance designed to be easy and affordable.

TruStage™ Life Insurance is issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, and other leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. All guarantees are based on the claims-paying ability of the insurer. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage


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