生活充满了不确定性，所以为意外做好计划是很重要的. 人寿保险是一种最好拥有而不需要它的东西, than to need it and not have it. Patelco offers Life insurance through TruStage1，您可以在这里选择适合您的保单.
终身保险提供终身保险，可以帮助支付最终费用和更多, 而定期保险则能在最需要的时候保护你的家人.
Life insurance can be easy and affordable, 你会觉得你爱的人受到了保护.
No medical exam required
Lasts for the term of the policy
Coverage for life with no expiration date
Free cancellation within the first 30 days
Typically, 终身寿险提供终身保险，可以帮助支付最终费用，还可能包括你可以在一生中使用的现金价值部分.
定期寿险在预先确定的年限内提供死亡保险金. 定期寿险通常没有储蓄部分.
Coverage depends on many variables. Get a quote or call 888.787.8243找到一份适合你和你家人的保险.
Whether you’re comfortable investing on your own, want just a little help, or need a customized investment strategy, Patelco Financial Solutions2 能帮助你保持在正确的轨道上今天-明天. 我们甚至会为您提供免费的财务咨询. Getting started is easy!
Patelco offers insurance solutions3 在人生的每个阶段，无论你或你的家人在哪里，我们都会为你提供服务. 了解更多关于如何保护自己和你爱的人的信息.
帕特尔科通过我们的帕特尔科保护计划帮助您为意外做好准备. We know that life can come at you in the most unexpected ways; that’s why we offer protection plans to help you be financially prepared for anything that comes along. Are you ready for the expected?
What if there’s an injury and you’re unable to work? Will your current coverage be enough? Or in the event of your unexpected death, 你的家庭能负担得起日常开支和债务吗?
这是可能的计划与我们的贷款和支付保护计划，取消您的贷款支付或余额, up to the contract maximums, if you suffer a covered unemployment, disability or pass away.
But what if other unexpected expenses come along? Can you cover the gap?
For example, getting a new vehicle is exciting, 但一旦你把它开出停车场，它就开始贬值了. 如果车子坏了或者被偷了，你欠下的钱可能比你的保险还多, and that gap could be thousands of dollars.
For a one-time cost of $595, Guaranteed Asset Protection, or GAP Plus, 能帮你缩小差距，让你回到属于你的地方——开车吗. It can be financed as part of your loan. 在5年的贷款过程中，平均每月超过8美元, 给你保护，可以帮助你提供内心的平静.
但是，当那些巨额的维修账单来临时，会发生什么呢?
机械故障保险(MBI)可以大大减少维修费用. 只要选择一个计划和免赔额，以帮助减少你的自费维修费用，并获得额外的福利，如路边援助, rental and travel expense reimbursement, and more. 所以当生活给你一个意想不到的曲线时，你可以被覆盖.
Ask a team member for a quote or learn more at Patelco.org/insurance.
What kind of insurance do I need? Get guidance on how much car insurance, 如果你需要人寿保险和多少以及如何评估健康保险的费用.
拥有应急储蓄基金是应对意外经济困难的最佳方式. 向专家咨询如何管理应急资金.
Thinking about life insurance? 从帕特尔科那里了解有关人寿保险的种类, what it covers, and how much life insurance you may need!
1 信托保险由CMFG人寿保险公司承保, 这家公司在财务稳定性方面一直被AM Best评为“a”(优秀). WHL, SIT1, SIT2-5367300.1-1222-0224
2 非存款投资产品和服务是通过CUSO Financial services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, 难道不是信用合作社的担保或义务吗, 并可能涉及投资风险，包括可能损失本金. 投资代表须透过中心注册. Patelco信用合作社已与CFS签订合同，为信用合作社成员提供非存款投资产品和服务.
3 保险产品不是Patelco信用合作社的存款，也不受NCUA的保险. 它们不受Patelco Credit Union的担保，可能存在风险. 帕特尔科信用社作为延长信用条件所要求的任何保险不需要从帕特尔科保险服务公司购买，可以从会员选择的代理或保险公司购买. Patelco Insurance Services是Patelco Credit Union的子公司. 保险产品由Patelco Insurance Services提供, a California insurance agency (License #0C97544). 任何投诉都可以提交给加州保险部门，地址是 insurance.ca.gov.
All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. 并不是所有州都提供保险和特性. 资格须符合适用的承保标准. 在州法律法规允许的地方可以享受折扣和优惠，各州可能有所不同. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 在州法律法规允许的情况下，将获得消费者报告机构的消费者报告和/或机动车辆报告，这些报告列在保险单上. 具体的保险范围和限制，请参阅保险单.
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