We go above and beyond for our members, including offering extra insurance options to ensure you, your family and your assets are protected.
Estate Planning
Learn about the benefits of these types of insurance:
Accidental Death & Dismemberment Insurance (AD&D)
TruStage™ Term Life Insurance | TruStage™ Whole Life Insurance | Mechanical Breakdown Protection | Guaranteed Asset Protection (GAP) | Travelers Auto & Home Insurance
Legal Karma
Estate planning can feel overwhelming and costly—but Cobalt makes it simple and affordable. Think of it as a way to:
- Make sure your assets go where you want.
- Give someone you trust the power to make decisions if you can’t.
- Clearly name your beneficiaries.
Accidental Death & Dismemberment Insurance (AD&D)
Cobalt Credit Union has paid in full for members to receive $1,000 of insurance through Minnesota Life Insurance Company. This means that if you have a fatal accident, your beneficiary will receive a $1,000 cash benefit.
Members also have the right to use this form to add up to $300,000 more of this coverage regardless of your health at a low cost.
If you have any questions please call 1-877-607-4376.
TruStage™ Term Life Insurance
TruStage™ Term Life Insurance: 100% Online
TruStage™ Term Life Insurance could help protect your family from the loss of your income if you were no longer here. It pays income tax-free money they could use for mortgage payments, debts, unpaid bills or for any reason.
And now, it’s available entirely online. Apply in about 10 minutes,* and you could get coverage today:
- 100% online
- Just a few health questions
- No medical exam or tests
- Instant decision (up to $100,000)
- Income-tax-free money for your beneficiaries
Cross “apply for Life Insurance” off your to-do list today.
Get an instant quote designed to fit your budget.
A tradition of strength
TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third highest of 16 ratings.
*Time estimate source: TruStage Internal Analytics Reporting, January 2022
TruStageTM Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Form Numbers: ICC16-A10a-039, A10a-039-2016, ICC17-SIT-2, 2017-SIT-2. © TruStage
SIT1, SIT2-2947129.3
TruStage™ Whole Life Insurance
TruStage™ Whole Life Insurance is permanent coverage that never decreases, with a rate that is locked in for life. Your coverage cannot be cancelled as long as you’re approved and continue to make your payments.
After you’re gone, this policy typically pays an income tax-free cash benefit that your family could use for any reason they need, such as funeral expenses, mortgage payments or unpaid debts.
Apply in minutes. Start with a monthly payment that is designed to fit your budget and get options online or over the phone:
- Just a few questions
- No medical exam
- Instant quotes based on your budget
Don’t wait. Get an instant quote online today. Or, call 1-800-814-2914 and talk to a licensed agent.
A tradition of strength
TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third highest of 16 ratings.
TruStage™ Simplified Issue Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Form Numbers: ICC17-SIWLLB, ICC17-SIWLNB, 2017-SIWLLB, 2017-SIWLNB. © TruStage
WHL-2947185.3
Mechanical Breakdown Protection
As a member of Cobalt Credit Union, you have the ability to protect your vehicle against costly repairs by purchasing Mechanical Breakdown Protection. There are various levels of plans that offer you protection against mechanical breakdowns on new and pre-owned vehicles.
If you are interested in purchasing Mechanical Breakdown Protection, have questions on a claim, or would like more information, please contact us.
Guaranteed Asset Protection (GAP)
Protect yourself with Guaranteed Asset Protection (GAP). Most insurance policies only cover the value of your vehicle - something that rapidly declines the first few years of ownership. GAP protection covers the amount of your loan or lease balance that insurance doesn't cover if something were to happen to your vehicle.
If you are interested in purchasing a GAP policy, have questions on a claim, or would like more information, please contact us.
Travelers Auto & Home Insurance Program
With the Travelers Auto and Home Insurance Program for Cobalt Credit Union members you could save on auto and homeowners insurance with Travelers and get access to these great benefits:
- Cobalt Credit Union member discount on quality coverage for car, homeowners, condo, and renters insurance
- Additional discounts could be available like multi-policy, loss-free, or hybrid/electric vehicle.
- Free, no-obligation quotes from licensed insurance representatives by phone or online
- Easy payment options, including electronic funds transfer (EFT)
- 24/7 claim reporting and customer service
Even if you recently renewed your policy, you can still get a free no obligation quote. You can switch at any time and could be entitled to a refund of your unused premium.
To get a quote call 1.866.385.2247 or click "Start Quote" to quote online and see full details including legal disclosures.