Credit and Mortgage Protection

Credit and Mortgage Protection is a very simple and affordable way to protect you and your loved ones from unexpected financial loss.

We all work hard for our money and our lifestyle but sometimes life can take a hard turn, you may find yourself critically ill, in an accident or you or your loved one may pass away leaving unplanned, overwhelming debt.

We can offer comprehensive credit insurance for credit union members on all types of debt, from small loans to large mortgages, small business to agriculture.

Insurance provides:

Protect against the unexpected by safeguarding your assets and your family.

Peace of Mind
Payment protection allows you the freedom to enjoy your life, worry free from financial stress for you or your loved ones.

Affordable Coverage
Affordable group rates are available for PenFinancial Credit Union members. If you compare the cost of the insurance against the cost of replacing what you may lose without it, you will see its true value.

Enrolling is easy. You can receive a 30-day free look. If you aren’t satisfied, cancel within the first 30 days for a full refund.

  • Speak with your PenFinancial Credit Union Advisor to learn more!

Mortgage Protection

Your home is a place where memories are created; it is a place to watch children grow, to celebrate life and a place to support each other during times of sorrow.

What would you do if you had to sell your home due to a family tragedy such as a job loss, critical illness, sickness, accident or death?

The good news is that even though unexpected tragedies do happen, you can protect yourself and your loved ones from financial heartaches.

CUMIS Insurance provides mortgage protection in case of the diagnosis of a critical illness, sickness or accident, involuntary loss of employment and death. Life is too short to worry, learn about how this comprehensive coverage can provide peace of mind today.

CUMIS Insurance pays the insured mortgage balance plus accrued interest plus settlement interest up to age 80 to a maximum of $500,000.

CUMIS Insurance pays the insured monthly mortgage payments to a maximum of $2,500 per month for 24 months (per claim) up to and including age 65.

Involuntary Loss of Employment
CUMIS Insurance pays the insured monthly mortgage payments to a maximum of $2,500 per month for nine months (per claim) up to and including age 65.

To add this coverage to your existing mortgage, speak with your PenFinancial Credit Union Advisor.

Travel Insurance Program

Even precisely planned vacations can be interrupted by delays and emergencies, which can disrupt your itinerary and cost you a lot of money.

Protect your family assets and ensure peace of mind while you travel. With our travel insurance program, your rate is based on where you plan to travel, the duration of your trip and your age.


  • Five million dollars coverage on excess hospital, medical and dental expenses
  • Comprehensive medical support with 24/7 access to emergency assistance, anywhere in the world
  • Transportation home when medically required and access to a medical professional who can coordinate your medical care
  • Necessary lab tests, x-rays and prescription drugs
  • Qualified claims staff to assist you in case of sudden illness or accident
  • If members travel frequently, the CUMIS Insurance Travel Program has a policy that covers all trips throughout the year
  • Optional plans include trip interruption, accidental death and dismemberment, and air flight accident insurance
  • There are no pre-existing condition exclusions if you are under 71 years of age and traveling for 35 days or less, as long as no other exclusions apply

Note: Some products have more underwriting qualifications than others. Call for complete details.

CUMIS Insurance Travel Program is underwritten by Co-operators Life Insurance Company and administered by TIC Travel Insurance Coordinators Ltd. For more information, please visit your credit union or call TIC at 1.877.885.2847.


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