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Kemba Insurance

Kemba Credit Union is always on the lookout for ways to improve your financial well-being. Providing insurance options to protect the people and valuables you care about is one more way. That is why Kemba Insurance* is here to help.

To make the experience as easy as possible for you, simply contact Kemba Insurance via phone at 513-762-1678, stop by our West Chester location or get a quote online. Instead of providing you with options from just one company, the Kemba Insurance team will work closely with you to understand the unique risks you face and develop a comprehensive solution to protect your most valuable assets at the best rates possible.

Insurance available through Kemba Insurance:

  • Auto
  • Home
  • Life
  • Health
  • Business
  • Boat
  • Disability
  • Motorcycle
  • Renters
  • RV
  • Umbrella
  • Employee Benefits

Contact Kemba Insurance for a review of your current insurance program. Find us online or call 513-762-1678 today.

AD&D Insurance

Kemba Credit Union wants to help protect your family with

$1,000.00 INSURANCE COVERAGE PAID FOR YOU BY KEMBA CREDIT UNION

As a Kemba Credit Union member age 18 or older you can help protect your family’s financial future with Accidental Death and Dismemberment (AD&D) Insurance underwritten by Minnesota Life Insurance Company. In addition to the $1,000.00 Credit Union Paid coverage, you can purchase Additional Coverage at group rates.

  • You are pre-authorized for Additional Coverage up to $300,000
  • Your acceptance is guaranteed -
  • Benefits are paid to your beneficiary if you die from a covered accident

 

You cannot be turned down for the Credit Union Paid Coverage —or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.

 

Remember, the $1,000.00 coverage is at no cost to you. It’s complimentary of Kemba Credit Union.

 Learn more about this type of coverage.

Robert Dudacek, Licensed Insurance Agent #972576-TN


0316


40409

Accidental Death & Dismemberment (AD&D)

Find online access to AD&D enrollment and benefit information.

Q. Do I automatically receive the $1,000 no-cost basic insurance?
A. No. You must enroll.
Q. Do I have to buy additional coverage in order to get the $1,000 basic?
A. No. The $1,000 AD&D insurance coverage is provided as our gift to you, at no cost, as long as you maintain your account with us.
Q. Does this cover on-the-job accidents?
A. Yes. The coverage is effective 24 hours a day, worldwide.
Q. How much additional coverage may I choose? Can I get insurance for my spouse and family, too?
A. AD&D insurance has coverage levels to fit your budget, from $10,000 to $300,000. Spouses and unmarried children under the age of 21 years (age 25 if full-time students) may be insured under the family plan. If the family plan is selected, spouses are insured for 50%. Dependent children are each insured for 20%. If your household does not have any dependent children, the spouse's coverage rises to 60% of the additional coverage selected. If you do not have a spouse, dependent children's coverage rises to 25%.
Q. Do I have to take a medical exam or answer a lot of health questions?
A. No. There are no medical questions or physical exams required to qualify.
Q. I bought additional coverage, and I received something called "added benefits." What does this mean?
A. You automatically receive six added benefits that are included with your insurance. (1) Common Carrier Accidental Death: Pays twice the face value of your additional coverage. (2) Educational Assistance: Pays a benefit to each dependent child who is enrolled as a full-time student in an institution of higher learning. (3) Anti-Inflation: After two years of continuous coverage, benefit increases a specific percentage until it reaches 125% of the original amount. (4) Hospital Income Benefit: Pays 1% of the Voluntary Insurance benefit up to $2,500 a month for hospital stay for more than 7 days (starting within 30 days of accident as the result of a covered Injury.) (5) Day Care Benefit: Pays 2% of the Voluntary Insurance benefit or $2,000 (whichever is less) each year for two years, for each Eligible Dependent (under age 14 at the time of your death) who is enrolled in a Day Care Program. (6) Adaptive Home and Vehicle: Pays a benefit if a covered insured requires their home and/or car to be adapted due to a covered loss up to $2,500. Your Insurance Coverage Document will explain all of the specifics of these added benefits (including exclusions, limitations and terms of coverage).
Q. What does "common carrier" mean?
A. The common carrier benefit applies when you pay a fare to travel on common or public forms of transportation. This includes commercial airlines, trains, buses, cabs, ferries, and more.
Q. Is there an age cutoff?
A. There is no termination age; however, coverage reduces 50% at age 70 and older.
Q. When does my coverage begin?
A. The effective date is shown on your Insurance Coverage Document.
Q. How long does it take before I receive my insurance coverage document?
A. It takes about 30 days from the time the enrollment form is received to process and issue the Insurance Coverage Document.
Q. What if I decide to cancel?
A. Your coverage features a no-risk 30-day guarantee. If you choose not to keep your insurance, simply call toll free 1-877-309-6576, and your insurance will be cancelled immediately.
Q. How will I be billed?
A. 1) Because you are a share account holder, the premiums will be automatically debited from your account quarterly. This transaction will be reflected on your statement. 2) Because you are a share draft account holder member, the premiums will be automatically debited from your account quarterly. This transaction will be reflected on your statement.
Q. Who is the underwriter for this insurance?
A. This insurance is underwritten by Minnesota Life Insurance Company. Minnesota Life and Securian Financial Group affiliates provide financial security to 10 million people nationwide through insurance, investment and retirement products. Founded in 1880, our record of financial strength and claims-paying ability positions us as one of the most highly rated companies in America.
Q. How do I file a claim?
A. Call toll free at 1-877-309-6576 weekdays, 7:00 a.m. to 8:00 p.m., Saturdays, 8:30 a.m. to 5:00 p.m., CST.
Q. How long will it take to process my claim?
A. The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Nashville, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.
Q. Who is the plan administrator?
A. The Plan Administrator is Affinion Benefits Group, a division of Affinion Group, the nation's largest provider of direct response insurance programs.

TruStage Insurance

Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. With many different options in whole and term life policies, doesn't it make sense to check rates and look into this important coverage?

TruStage life insurance plans and policies offer affordable rates to fit your budget. They provide excellent coverage, underwritten by CMFG Life Insurance Company.

Learn about this important coverage or call 1-888-888-0375 for more information.

TruStage' Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by Kemba Credit Union. LIFE-1112-8F55

MetLife

As a special thank you for being a valued member, Kemba Credit Union is happy to introduce you to to the MetLife Auto and Home group insurance program. With just one phone call, you will get access to savings and discounts from MetLife Auto and Home, along with other leading insurance companies. Be sure to mention that you're a member of Kemba Credit Union, and offer code C9U when calling 877-491-5087.

*Kemba Insurance is a registered trade name of Phelan Insurance Agency, Inc and is owned and operated by Phelan Insurance Agency, Inc. Products offered by Kemba Insurance are not NCUA or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.