We Can Help Protect All That You Value Most.

We Can Help Protect All That You Value Most.

Insurance from COPFCU has you covered.

We proudly recommend TruStage Insurance to protect what you value most against the unexpected. With more than 80 years of experience working with credit unions and their members, TruStage offers a variety of coverage at reduced, member-only pricing.

Explore our insurance options below.

Home Insurance

Your home is your biggest investment, so make sure it’s protected inside and out with TruStage Home Insurance.

TruStage HomeInsurance covers you against losses or damages from fire, weather, theft, and more. It also protects you from liability if an accident happens on your property. TruStage Home Insurance features coverage through Liberty Mutual and because TruStage is exclusive to credit union members, you’ll receive special savings over and above coverage you can obtain on your own.

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Beautiful home

Condo Insurance

Condo association policies offer only basic protection and might not protect against liabilities. If a guest sues following a slip and fall in your home, the legal costs may fall to you. Condo insurance through TruStage can offer you protection against these costs as well as:

  • Your belongings
  • Property damage
  • Damage to someone else’s property
  • Personal liability if there are medical bills or legal expenses if someone is hurt at your home
  • Living expenses incurred if you temporarily vacate your condo as the result of a covered loss
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Beautiful condominium apartment

Life Insurance

TruStage® Life Insurance can be a simple, affordable way to help protect your family. Life Insurance provides your loved ones with money to help pay mortgage or rent payments, day to day bills, medical and funeral bills–whatever is needed most. As a member of COPFCU, TruStage® will work with you to select a policy that’s right for your budget.

  • Select from Whole and Term Life policies
  • No medical exams required in most cases
  • ‘A’ rated underwriting
  • Discounted rates for COPFCU members
  • See instant quotes based on your budget
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A loving family

Accidental Death & Dismemberment (AD&D)

Accidental Death and Dismemberment (AD&D) is a type of insurance that pays a cash benefit in the event of an accidental death or if an accident causes specific permanent injuries. It also pays benefits for covered injuries caused by an accident, including loss of eyesight, hearing, or speech, or the loss of a hand, foot, eye, thumb or index finger.

AD&D protection gives you funds you can use for any reason, including things like groceries or gas money while you’re not making a paycheck. It’s a nice thing to have when your regular income isn’t available.

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Runner with prosthetic leg

Renter’s Insurance

Help protect your apartment and everything in it with Renters Insurance through TruStage.

Accidents happen, bikes are stolen, and fires can leave an apartment unlivable. Without coverage, any costs due to a burglary or fire might fall to you. TruStage Renters Insurance features coverage through Liberty Mutual and because TruStage is exclusive to credit union members, you’ll receive special savings on your Renter’s Insurance.

Getting protected is easy. Get a personalized quote today.

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Renter relaxing at home.

RVs, Campers, Boats & Motorcycles

Owning an RV, Camper, Boat or Motorcycle can be a dream come true, giving you new adventures and the freedom to travel and explore. But with freedom comes responsibility. Whether on the road, water or trail, recreational vehicle insurance can ensure the safety of both you and your vehicle. Find the customized protection you need for all your recreational vehicles by getting a free quote from Comparion, a Liberty Mutual company.

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Do I have to buy auto and home insurance?

In most cases, auto owners and homeowners are required to buy some type of insurance, but this can vary depending on your situation.

  • Auto insurance. Almost every state requires you to buy auto insurance to protect against liability. And if you’re taking out a loan to buy your vehicle, it’s likely the lender will require you to buy an insurance policy to protect its value.
  • Home/condo insurance. Unlike auto insurance, it’s possible to own a home without carrying insurance in some cases. However, if you have a mortgage on your home, it’s likely your lender will require you to carry a homeowner’s policy. Also, condominium boards typically require owners to purchase condo insurance whether they have a mortgage or not.
    Even if you don’t have a mortgage, it’s a wise choice to protect the value of your home and its contents with a homeowner’s insurance policy. This insurance will also help protect you from liability if someone is injured on your property.
  • Renters insurance. And while apartment dwellers are not usually required to buy renters insurance, this relatively low-cost coverage can help reimburse you for loss or damage to personal possessions. It also offers protection from liability if someone were injured in your unit.

What are the differences between term and whole life insurance?

Term Life Insurance

  • can provide affordable, high-dollar coverage for a specific period of time (or term).
  • pays a benefit if you die during the term.
    could have benefits and premiums that change over time, depending on the specific policy.

Whole Life Insurance

  • has rates that remain the same throughout your lifetime.
  • could provide a future source of money prior to your death, building cash value over time.
  • allows for loans (which incur interest) against the value, with unpaid amounts decreasing the death benefit.

Guaranteed Acceptance Whole Life

  • offers all the benefits of whole life (limited in the first two years).
  • guarantees your acceptance, with no health questions or medical exam, regardless of your health.
  • provides instant coverage with your first payment.

Important Legal Disclaimer

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

1 Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only and may be subject to limits.


3 Optional coverage in some states. Availability varies by state. Eligibility rules apply.
All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 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 coverages and limitations.
The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
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Comparion Insurance Agency is the largest Personal Lines agency in the U.S. by premium with over 2,000 local agents and 180 offices. Comparion is owned by Liberty Mutual, a Fortune 75 company.