LendShield Debt Protection: Shield Your Family From Life's Financial Storms
Protect what matters most with loan payment protection—LendShield covers your payments during disability or job loss, cancels debt up to $100,000 in the event of death, and ensures financial hardships don't become credit disasters.
What Is LendShield?
Your Financial Safety Net When Life Happens
Life's uncertainties don't pause for loan payments. Whether it's an unexpected illness, injury, job loss, or worse, financial obligations continue even when income stops. Through our partnership with TruStage**, LendShield Debt Protection steps in during critical moments, protecting both your credit rating and your family's financial stability. It's the difference between temporary setback and lasting financial damage.
Covers loan payments
during covered hardships
Cancels debt up to $100,000
in case of death
Protects your credit score
when you can't pay
No age restrictions
everyone qualifies
Add or cancel anytime
for total flexibility
Because protecting your family is protecting your legacy.
Package Combinations
What Does LendShield Cover?
Every family faces different risks, which is why LendShield offers customizable protection packages. Select one layer or combine all three for comprehensive coverage. Each option addresses specific life challenges that could derail your financial progress, ensuring you're protected from angles that matter most to your situation.
Life Plus
Coverage that cancels the remaining loan balance as of the date of death, up to $100,000.* It also covers hospitalizations, accidental dismemberment, and much more.
Life Plus & Disability
Typical work coverage usually only covers 60% of your pay. This is supplemental coverage for any disability that may befall you. Plans with disability coverage cancel up to six payments per occurrence.*
Life Plus, Disability &
Involuntary Unemployment
Ensure that one of your major monthly expenses will be taken care of as you search for new employment. Plans with IU coverage cancel up to six payments per occurrence.*
LifePlus Comprehensive Benefits
Beyond Basic Life Insurance Protection
LifePlus goes far beyond simple life coverage, addressing multiple scenarios that could impact your family's finances. From extended hospitalizations to caring for sick family members, this comprehensive protection ensures temporary hardships don't become permanent financial burdens. Each benefit is designed to address real-life situations our members face.
Death benefit
cancels entire loan balance up to $100,000
Hospitalization
covers 3 payments after 48-hour stays
Accidental dismemberment
protection up to $100,000
Terminal illness
benefit for 12-month prognosis
Family medical leave
coverage for caregiving
Dependent loss
benefit covers 3 payments
Complete protection for life's unexpected turns.
Disability & Unemployment Protection
Keep Payments Current When Income Stops
The most common financial crises aren't dramatic—they're temporary income interruptions from illness or job loss. These coverage options ensure that recovering your health or finding new employment doesn't mean sacrificing your credit score or facing repossession. Focus on recovery while we handle the payments.
Sickness/Injury
cancels up to 6 monthly payments
Supplements employer disability coverage gaps
Involuntary unemployment
covers job loss scenarios
No medical exams required
Multiple occurrences
covered with waiting periods
Income protection that actually protects.
Who is Eligible?
Everyone qualifies for LendShield (Debt Protection)—there are no age restrictions! While a waiting period may apply before you can claim benefits, LendShield is designed to offer comprehensive protection on a variety of loan types:
Short and Long-term loans
Open-end line of credit plans
Home equity lines of credit
Second mortgages
Simple Claims Process
Help When You Need It Most
During difficult times, the last thing you need is complicated paperwork. LendShield's streamlined claims process through CUNA Mutual Group ensures quick resolution when you need help most. File online or call for personal assistance—either way, we make protecting your loans as simple as possible.
Online claims filing
Call 1-800-621-6323
for guided assistance
Quick processing
for covered events
Direct loan payment
Dedicated specialists
to guide you through the process
File easily at lendingclaim.trustage.com or call for help.
Don't Let Life's Surprises Destroy Your Financial Progress
One unexpected event shouldn't undo years of responsible borrowing. LendShield ensures that temporary setbacks—illness, injury, or job loss—don't become permanent financial scars. With no age restrictions and the ability to add coverage anytime, protecting your loans and your family's future has never been easier.
Become a Member Today
Church members and immediate family members can join the credit union.
*Life coverage is reduced to 25% of protected balance, up to $25,000 when the borrower turns 70. Family Medical Leave Coverage does not protect leave of absence while a member is a temporary employee, independent contractor, self-employed or employed by a joint borrower. Coverage eligibility, conditions, and exclusions apply. Borrowers should review their Debt Protection agreement.
**TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Insurance products are issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS Insurance Society Inc., CUMIS Specialty Insurance Society Inc., American Memorial Life Insurance Company, and Union Security Insurance Company. Payment protection products include debt protection products available through your credit union that are administered by CUNA Mutual Insurance Agency, Inc. and credit life and credit disability insurance products underwritten by CMFG Life Insurance Company.