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Insurance Tips

August 2013

SECU is pleased to provide access to a comprehensive and competitive line of insurance products to meet member needs. We encourage members to shop and compare, and consider the Credit Union a trusted source for comparison. SECU insurance products include:

Life Insurance options include both term and whole life. Term life provides affordable protection for level coverage amounts from $25,000 to $1,000,000 or more with a fixed premium at guaranteed rates for the 10, 15, 20 or 30-year term period selected. Whole life builds cash value while providing coverage for an insured’s lifetime with face amounts of $10,000 or more available with a level premium at a guaranteed rate.

Auto, Homeowners & Other Personal Lines of Insurance involves property and liability coverage for autos, homes, recreational vehicles, motorcycles, boats, manufactured housing, renters and also coverage for flood, wind and hail, and umbrella excess liability exposures.

Individual Health & Dental Insurance includes options for a high deductible health plan to pair with a tax-advantaged Health Savings Account, offering an alternative for more affordable health insurance.

Long Term Care Insurance helps preserve personal assets and income from the high cost of long term care, provides options to choose the level of care desired, and enables one to remain independent from the support of others with some peace of mind regarding future care needs.

Medicare Supplement & Prescription Drug Plans for Seniors include several options to fit many needs and budgets for additional insurance to help cover many of the out of pocket costs not typically paid by Medicare.

Credit Life/Credit Disability Insurance is optional upon loan origination for added loan protection on SECU personal loans, vehicle loans and home equity loans under a group policy with a monthly renewable premium.

For more information contact your local branch, visit or call the SECU Contact Center toll-free at 1-888-732-8562 or locally in Raleigh at 919-857-2150.

SECU insurance agents are licensed to sell insurance in North Carolina only and are compensated by employee salary, not by sales incentive pay. SECU receives commissions from the sale of insurance products as a source of non-interest related income for membership benefit.

Previous Insurance Tips:

  • September 2012 - Tragically, children age five and under are twice as likely to die in fires as are older children and adults. According to a national survey, only one of every four Americans has developed and practiced a home fire escape plan.
  • August 2012 - Access to competitive insurance is available for members through State Employees’ Credit Union. We welcome the opportunity to provide assistance with your ongoing insurance needs and financial obligations.
  • June 2011 - In addition to term life insurance, SECU now has whole life insurance options for members. Whole life insurance, also considered permanent life insurance, provides life insurance protection for the insured's lifetime.
  • May 2011 – Effective March 7, 2011 the new North Carolina Long Term Care Partnership program (LTCP) offers Medicaid asset protection above and beyond the benefit currently available.
  • April 2011 - North Carolina Department of Insurance Commissioner Wayne Goodwin recently released 2010 statistics revealing NCDOI's collective efforts from several divisions in producing over $40 million in recoveries and savings for North Carolinians.
*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.