As circumstances change, the amount and type of insurance you need also changes. Insurance is not only for your beneficiaries; it can also be used as an investment vehicle. Insurance can provide tax deferral for you and a tax-free death benefit for your family. Hughes Federal Credit Union and HFCU Financial Services provide insurance choices that can give you peace of mind at whatever stage in life.
Insurance Options Offered by TruStageTM
TruStage, a partner of Hughes Federal Credit Union, has affordable life insurance for our members whether it's Term Life or Whole Life. You can learn more or apply online. For additional insurance options offered through HFCU Financial Services, please check out our list of options below.
To make an appointment, call us at 520-294-4140. Visit the HFCU Financial Services website for information and financial planning resources.
Term Life Insurance is a relatively inexpensive life insurance policy that provides coverage for a specified period of time (e.g., 1, 5, 10, 15, 20 or 25 years) or until the insured reaches the age specified in the insurance policy.
Whole Life Insurance remains in force for the insured's entire life and requires (in most cases) premiums to be paid every year.
Universal Life Insurance is a type of insurance that combines the characteristics of term life insurance and a tax-deferred savings plan. The insured can pay premiums at any time, subject to certain minimums and maximums, and reduce or increase the amount of the death benefit more easily than under a traditional whole life policy.
Survivorship Life Insurance ("second-to-die" or survivor insurance) provides one policy that insures the lives of two people—usually spouses. No proceeds are paid when the first spouse dies. The policy remains in effect and premiums may need to be paid. The death benefit is not paid to the beneficiary until the death of the second insured.
HFCU Financial Services is an authorized broker of Blue Cross® Blue Shield® of Arizona healthcare. The Blue Cross® Blue Shield® Association (BCBSA) is an American federation of 39 independent, community-based and locally operated Blue Cross® and Blue Shield® Health insurance companies.
Long-term Care Insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).
Not NCUA Insured
No Credit Union Guarantee
May Lose Value
Hughes Federal Credit Union and HFCU Financial Services are not registered broker/dealers and are not affiliated with LPL Financial.
The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states. Arizona, California, Colorado, Florida, Hawaii, Idaho, New Mexico, Oklahoma, South Dakota, Texas, Utah, Washington.
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