Protecting What Matters Most — Your Family, Your Finances, and Your Future

At Northern Shores Credit Union, we believe that true financial security extends beyond having money in the bank — it also means being prepared for life’s unexpected twists. That’s why we offer a suite of insurance and protection products designed to safeguard your loans, your identity, your vehicle, and your peace of mind.

Whether you’re dealing with job loss, a medical emergency, or the loss of a loved one, we provide solutions that help you and your family stay financially resilient during difficult times.

Payment Protection Insurance (Debt Protection Plan)

Your safety net when life throws the unexpected.

Our Payment Protection Plan is designed to help cover your loan payments if you experience life-altering events such as:

• Involuntary unemployment

• Disability due to injury or illness

• Critical illness diagnosis

• Loss of life

By enrolling in this optional program, you can help ensure that you and your family won’t be burdened by debt during tough times. The plan applies to:

• Auto Loans

• Personal Loans

• Credit Cards

• Home Equity Loans

Key Benefits:

• Helps preserve your credit rating

• May reduce financial stress on loved ones

• Convenient monthly premiums added to your loan

• No medical exams required

GAP Insurance (Guaranteed Asset Protection)

Don’t get stuck paying for a car you no longer have.

In the unfortunate event that your vehicle is totaled or stolen, your insurance company may only pay what the car is worth — not what you still owe on your loan. That’s where GAP Insurance comes in.

It covers the “gap” between your vehicle’s actual cash value and your remaining loan balance.

How It Works:

• If you owe $18,000 and your car is worth $14,000, GAP covers the $4,000 difference.

• Also includes up to $1,000 toward your next auto loan with us (when you finance within 90 days).

GAP is ideal for:

• New car loans

• Longer-term financing (60–84 months)

• Small down payments or no-money-down purchases

Mechanical Repair Coverage (Extended Vehicle Warranty)

Drive with confidence, knowing you’re covered.

Vehicles break down — even newer ones. Mechanical Repair Coverage helps you manage the high costs of unexpected car repairs after your factory warranty has expired.

Coverage Includes:

• Engine & transmission repairs

• Electrical systems

• Air conditioning & heating

• Brake systems

• 24/7 roadside assistance

• Rental car reimbursement

Flexible Options:

• Choose the level of protection that fits your needs

• Available for new and used vehicles

• Nationwide service and transferable coverage if you sell your car

Why It’s Worth It:

• Avoids large out-of-pocket repair costs

• Can be rolled into your auto loan

• Helps maintain the value and performance of your vehicle

Identity Theft Protection & Recovery Services

Stay protected in a digital world.

Identity theft is one of the fastest-growing crimes in the world — but you don’t have to face it alone. Northern Shores offers ID Theft Protection to help detect fraud early and recover quickly if your identity is ever compromised.

Features May Include:

• 24/7 credit monitoring across major bureaus

• Fraud alerts and suspicious activity notifications

• Access to your credit report and score

• Dedicated identity recovery specialists

• Lost wallet assistance

• Up to $1 million in ID theft insurance coverage

Real Protection. Real Peace of Mind.
Our service not only helps prevent identity theft — it ensures you have expert help if it happens.

Home & Auto Insurance (Referral Program)

Reliable coverage through trusted partners.

Through our network of licensed insurance providers, we can help connect you with affordable home, renters, and auto insurance options that meet your needs and budget.

Why Work Through Us?

• Competitive, member-only rates

• Bundle discounts

• Easy comparisons from multiple carriers

• Expert guidance from vetted insurance agents

You can request quotes for:

• Homeowners Insurance

• Renters Insurance

• Auto & Motorcycle Insurance

• Recreational Vehicle (RV) Insurance

• Boat & Watercraft Insurance

Life Insurance (Term & Whole Life Options)

Secure your family’s future with affordable protection.

We partner with top-rated life insurance providers to offer coverage that fits your family’s goals and financial situation. Whether you’re looking for basic income protection or lifelong security, we help you find the right policy.

Options Available:

• Term Life Insurance: Low-cost protection for 10, 20, or 30 years

• Whole Life Insurance: Lifetime protection with cash value growth

• Final Expense Insurance: Covers funeral, burial, and medical expenses

• Children’s Life Policies: Early coverage with long-term value

Why It Matters:

• Protects your loved ones from financial hardship

• Helps cover debts, mortgage, tuition, and everyday expenses

• Flexible coverage amounts to suit every budget

Accidental Death & Dismemberment (AD&D)

Additional protection — just in case.

Accidents happen — but AD&D coverage provides an extra layer of protection if they result in severe injury or death. It’s an affordable supplement to life insurance.

Covered Events May Include:

• Fatal car accidents

• Permanent loss of limbs or vision

• Paralysis due to accident

Member Benefit: Many credit union members receive free AD&D coverage just for being part of our community — and you can increase the coverage amount for just pennies a day.

Why Choose Northern Shores for Protection Products?

• Local service with personal attention

• Affordable premiums tailored to your needs

• One-stop access to a wide range of protection options

• Trusted relationships with top insurance providers

• Flexible enrollment during loan application or at any time

• Peace of mind in a world full of uncertainties