Debt Protection With Life Plus
Unforeseen events like death, illness and unemployment are inevitable, but with Life Plus*, you can protect your family from the unexpected.
Life Plus cancels your loan balance or loan payments up to the contract maximums when you experience financially-stressful events, such as accidental dismemberment, terminal illness, hospitalization, family medical leave or the loss of a dependent.
Applying for Debt Protection with Life Plus is simple, voluntary and won’t affect your loan approval. Call Heartland at 651.451.5160 or 800.813.9185 and ask how you can protect your loan payments.
Mechanical Repair Coverage
Do you set aside money to cover expensive vehicle repairs? The answer for most is no. How will you be prepared for those unexpected costs? Mechanical Repair Coverage (MRC)**. MRC can give you the protection you need for the unexpected.
MRC is available on new and used vehicles, whether your auto loan is financed with Heartland or not. Choose the MRC plan that best suits your needs when you apply for an auto loan. Or, contact us to set up a plan on your current vehicle.
Covers up to $35 per day for 5 days (or 10 days for a parts delay) from day one.
24-hour roadside assistance
Covers up to $100 per occurrence and includes towing, battery jump start, fluid delivery, flat tire assistance and lock-out service.
Travel expense reimbursement
Covers up to $200 per day (5 day maximum) for lodging, food and transportation expense when a covered breakdown occurs 100 miles or more from home.
Guaranteed Asset Protection (GAP)*** with Auto Deductible Reimbursement (ADR) protects your vehicle loan+ from the unexpected. While your auto insurance may cover some of the costs, you’re responsible for paying the difference between what your insurance will pay for and what you owe on your loan. GAP is designed to help protect the difference between your insurance settlement and your auto loan balance in case your auto is totaled or stolen.
Plus, with the added benefit of Auto Deductible Reimbursement, you’ll receive up to $500 towards your insurance deductible if your vehicle is in an accident and requires repairs. Simply put, this policy pays your deductible (up to $500) so you don’t have to.
GAP with ADR is easy to sign up for when you apply for your loan and the GAP cost will be added to your loan. Call a Heartland Financial Service Officer at (651) 451-5160 or (800) 813-9185 to learn more.
Put $1000 towards your next loan
If you finance with Heartland within 120 days of your primary insurance settlement, GAP Plus may allow you to put up to $1,000 toward the purchase of your next loan.
Cancel within 90 days and you’ll receive your money back.
Protect your vehicles
Available for new and used autos, RVs, motorcycles, snowmobiles, personal watercraft and boats.
Loan Insurance & Protection
Cover your assets
Financial relief when you need it.
I would like to thank Heartland staff in protecting me in making the largest mistake in my life. I could of lost everything. I am more aware now to be extremely cautious of people I meet. I am so very grateful.
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Loan Insurance & Protection Disclosures
*Your purchase of Debt Protection with Life Plus 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 Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
**Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided and administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. MRC-1274013.1-0815-0917
***Your purchase of MEMBER’S CHOICE Guaranteed Asset Protection (GAP) 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 GAP Waiver Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product. GAP-1274005.1-0815-0917
+The deductible assistance feature does not qualify on motorcycles, boats or any recreational vehicle, including RVs.