Insurance Plans | 4Front Credit Union
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Routing Number: 272485385

Insurance protection is part of a solid financial plan. That's because dependable coverage helps to ensure financial relief when you need it most. Along the way, you'll take comfort in knowing you're protected.

Delta Dental

Dental Coverage From The Very Best

Members of 4Front Credit Union may choose to purchase coverage from Michigan's most trusted provider of dental insurance -- Delta Dental. Members enjoy access to the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier.

Benefits include Diagnostic and Preventive (exams, sealants, x-rays), Basic Services (fillings, repairs) and Major Services (crowns, dentures, implants, bridges). Even adult Orthodontic Services (braces) are included, with no age limit.

LEARN MOREabout Delta Dental

Complete Insurance Coverage

Helping You Protect What Matters Most

4Front works together with TruStage Insurance Agency to provide a complete suite of insurance products and programs to help our members protect what matters. Take advantage of special 4Front members-only pricing on whole and term life insurance, accidental death & dismemberment coverage, automobile policies, and homeowners, renters, and condominium insurance. The TruStage portfolio of insurance products ensures that you're covered when you need it.

To quote a new policy or for questions on existing policies, visit the 4Front TruStage web portal or contact TruStage directly by calling 88-TRUSTAGE Monday through Friday between 8 am - 8 pm EST.

GET A QUOTEfrom TruStage

Debt Protection with Life Plus

Do everything you can to take care of the ones you love.

Debt Protection

Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Death

Life Plus

For additional protection, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Take an important step toward financial security. Learn more about Debt Protection with Life Plus!

GAP Plus with Deductible Assistance

Essential Protection for your vehicle loan and your finances.

If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. Guaranteed Asset Protection (GAP) may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP Plus with Deductible Assistance is essential financial protection on your vehicle loan that helps you drive with confidence

Learn more about GAP Plus and talk to us today about how we can help protect you from sudden out-of-pocket expenses.

Mechanical Repair Coverage

Essential protection against costly repairs.

Mechanical Repair Coverage (MRC) may help limit unexpected covered repair costs as your vehicle ages, potentially saving you thousands of dollars in repairs. What's more, it works at any authorized repair facility in the continental United States of America, Alaska, Hawaii, and Canada. Here are just a few of the coverage benefits:

  • Substitute transportation up to $50 per day
  • 24-hour emergency roadside assistance
  • Travel expense reimbursement
  • Key replacement

Learn more about Mechanical Repair Coverage and talk to us about a plan that's right for you!

Loan Payment Protection

Be Prepared For The Unexpected

4Front partners with TruStage to offer Payment Protection at loan closing, helping you guard against the unexpected like involuntary unemployment, hospitalization, or loss of life of a dependent. No one wants to be bothered with a complicated claims process, especially when experiencing personal hardship, so we've provided an online portal to ensure it's as simple and easy as possible.


Loan Payment Protection FAQs

Are there any other ways to submit a Loan Payment Protection claim than online?

Yes. A TruStage Claims Representative can assist you through the entire process by phone. Call 8007896286 Monday through Friday between 9:00am - 7:00pm EST to get started.

If I have added Payment Protection to multiple loans, do I need to file a claim for each one?

No. CUNA Mutual Group will utilize the information you provide on an initial claim to determine that you have protection on additional loans.

When I submit a Loan Payment Protection claim, should I stop making payments on my covered loan(s)?

No. We advise that you continue making all necessary payments until you are notified of your claim's approval by CUNA Mutual Group. Upon notification of claim approval, you can cease making payments on loans covered by Payment Protection. Be sure to stop or adjust any automatic transfers, including internal transfers, ACH, and external transfers.

How can I check on the status of a Loan Payment Protection claim I've already filed?

Check your claims status by contacting CUNA Mutual at 800-621-6323. You may be transferred to your CUNA Mutual claims professional.

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