Kinecta Federal Credit Union
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Insurance Services

Providing financial support in your time of need

Payment ProtectionWhat if you were laid off? What if you became temporarily disabled? What if your spouse suddenly passes away? How will you make your loan payments if unexpected circumstances leave you and your family financially stranded?

Life is unpredictable, the economy is challenging and unfortunately we never know when we will be faced with hardships. Payment Protection coverage helps relieve the financial stress and worry related to making consumer loan or credit card payments when life takes an unexpected turn.

Enrollment is simple, and you can rest easy knowing this coverage will  facilitate your payments, protect your family and safeguard your credit rating.

Payment Protection reduces or pays off your covered loan balance in the event of death. It makes payments for you in the event of disability or involuntary unemployment. Like saving money for a rainy day, knowledge that you have Payment Protection helps provide peace of mind.:

  • Helps protect the lifestyle and dreams of you and your loved ones
  • Helps protect your credit rating and the assets that secured your loan
  • Offers the convenience of including protection with your loan
  • Provides coverage at  group rates that are the same for every eligible borrower
  • Requires no physical exams or complicated enrollment forms
  • Added to your loan at any time without increasing your loan payments by extending the term of the  loan


Contact us
Call us at 800.854.9846, Option 5, for more information.


Your purchase of MEMBER”S CHOICETM Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER”S CHOICETM Borrower Security.


Securities & Insurance products offered through LPL Financial and its affiliates, Member FINRA/SIPC.  Insurance products offered through Kinecta Financial & Insurance Services, LLC and Apollo Agencies, Inc., subsidiaries of Kinecta Federal Credit Union. California Insurance License #0E24631 (Kinecta Financial & Insurance Services, LLC) or California Insurance License #0394033 (Apollo Agencies, Inc.). Insurance and investment products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Kinecta Financial & Insurance Services, LLC, Apollo Agencies, Inc. and Kinecta Federal Credit Union are not affiliated with LPL Financial. Some insurance products available to California residents only.