Protection Services

TopLine is dedicated to making sure you receive the highest value from your federal credit union membership by offering insurance protection options for your loan(s). The opportunity to purchase coverage will be available at the time of your loan application.

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Guaranteed Asset Protection (GAP)

GAP coverage offers reimbursement up to $500 towards your insurance deductible for covered claims up to two times a year for three years on the auto financed and up to two other vehicles you are the named insured on. For the duration of the loan, it also covers the difference between your insurance company's payment and the remaining balance due on a loan in the event the vehicle is totaled or stolen. This includes paying your deductible up to $1,000. Also, when GAP is used, TopLine will provide $1,000 towards your next vehicle. Available on Auto and Recreational Vehicle loans.

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Mechanical Breakdown Protection

This coverage provides protection against out-of-pocket costs in the event a vehicle suffers an unexpected mechanical failure-such as transmission repairs, seals and gaskets-and provides 24/7 roadside assistance including towing. Plus, there is a $0 deductible and you are allowed the convenience of going to your favorite dealer or local mechanic shop nationwide. Available on Auto and Recreational Vehicle loans.

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TopLine Debt Protection

Debt protection can help cancel or reduce repayment of your loan debt in the event of a protected death or disability. Available on Auto, Recreational Vehicle, Personal and Share Secured loans and Lines of Credit. TopLine Debt Protection coverage:

  • Reduces the burden on your family should you pass away, become sick or injured, or lose your job.
  • Helps protect you and your family against financial hardship should the unexpected occur.
  • Helps protect your good credit rating and your collateral for your loan.
  • Can cover pre-existing conditions.

Your purchase of TopLine Debt Protection 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 TopLine Debt Protection.

Disability Coverage

This coverage will protect you by making your monthly loan payment, up to the policy maximum, should you become injured or ill and are unable to work for more than 30 days.

Involuntary Unemployment

This coverage will protect you by making your monthly loan payment, up to the policy maximum, should you lose your job through no fault of your own.

Loss of Life

This coverage will pay off any existing loan balance, up to the policy maximum, should a covered member pass away.

Not NCUA Insured - May Lose Value - Not A Deposit - No Credit Union Guarantee - Not Insured by Any Federal Government Agency