Spencer Financial Group is an independent insurance agency. We are not affiliated with, endorsed by, or sponsored by any credit union.
Independent protection. Your family's future.
Life Insurance for Credit Union Members
Are you a credit union member without a will, trust, or life insurance with living benefits?
You may qualify for preferred rates on term life, whole life, or IUL coverage with living benefits that may pay you while you're alive following a qualifying heart attack, cancer, stroke, kidney failure, chronic illness, or critical illness. Plus a separate legal plan with a will, trust, and power of attorney.
- ✓ No obligation
- ✓ Licensed agents
- ✓ Independent agency, multiple carriers
Your membership matters. So does a plan your family can count on.
If this happens…
Heart attack, cancer, or stroke
The problem
Your income and household budget may be affected
What helps
Eligible living benefits may advance part of your death benefit
If this happens…
You can't speak for yourself
The problem
Your family has no legal say, and nobody knows what you'd want
What helps
Power of attorney, set up before you need it
If this happens…
You pass away without a will or trust
The problem
Your family can be stuck in court for months
What helps
A will and trust, done properly
Know what your protection includes
Your credit union membership and your insurance are two different things.
Already have coverage? A licensed agent can help you review it before you decide.
What you may qualify for
Living Benefits Life Insurance
Explore Term, Whole Life, or IUL. Eligible living benefits may pay you after a qualifying diagnosis such as:
Use the money for anything: the mortgage, bills, childcare, medical costs, or time off work to recover.
An accelerated benefit reduces the remaining death benefit and may involve fees or discounts. Eligibility and terms vary.
Separate Legal Benefits
Provided separately from life insurance. Services, limits, exclusions, and availability depend on the provider and plan.
- ✓Will, trust, and power of attorney
- ✓Attorney access under the legal plan’s terms
- ✓IRS audit assistance
- ✓Credit monitoring and identity monitoring
- ✓Sex offender monitoring
- ✓And more
How it works
- 1
Answer a few quick questions.
It takes about 60 seconds and doesn't affect your credit.
- 2
Talk to a licensed agent.
A real person, by phone or text, at a time that fits your schedule. About 15 minutes.
- 3
Pick what fits, or don't.
No obligation and no pressure.
See if you qualify
Spencer Financial Group is an independent insurance agency. We are not affiliated with, endorsed by, or sponsored by any credit union.
Are you currently a credit union member?
Questions
Is this offered by my credit union?+
Spencer Financial Group is an independent insurance agency. We are not affiliated with, endorsed by, or sponsored by any credit union. This is not a credit union membership benefit or a credit union-sponsored program. Your inquiry goes to Spencer Financial Group, not your credit union.
Does membership guarantee preferred rates?+
No. Rates and eligibility depend on the insurer, your age, health, underwriting, policy type, and state. Credit union membership alone does not guarantee a discount or approval.
Does it cost anything to check?+
No. There is no obligation to purchase.
I already have life insurance. Do I need another policy?+
Not necessarily. A licensed agent can review your existing policy and help you understand any gaps. Do not cancel existing coverage before considering all the consequences.
How do living benefits work?+
Some policies allow you to access part of the death benefit while alive after a qualifying illness. Conditions, exclusions, fees, and benefit limits vary; using the benefit reduces what remains for beneficiaries.
Is the legal plan included with insurance?+
It is a separate service from a legal plan provider, not a service of your credit union. Costs, attorney access, covered services, and restrictions depend on the plan.
Do I need a medical exam?+
Some policies do not require an exam, but health questions and underwriting may still apply.
Can I opt out of calls and texts?+
Yes. Reply STOP to texts or tell an agent you no longer want to be contacted. Consent is not required to purchase.