Insurance Services

Lighthouse Payment Protection

• Lighthouse Payment Protection is debt cancellation that cancels or defers your eligible loan (up to the agreement maximum) under difficult life events such as death, illness, injury, and involuntary unemployment.
• Safeguard your loan and your family with Point Loma Credit Union’s Lighthouse Payment Protection Solutions. 
• Simple eligibility requirements.
• Fast, easy enrollment.
• Convenient- cost is included in your loan payment.
• For more information, stop by one of our convenient branch locations or call us at (888) 495-3400 or (858) 495-3400.

Guaranteed Asset Protection (GAP) Advantage

• GAP Advantage protects you against financial loss in the event that your vehicle is damaged beyond repair (totaled) or stolen and never recovered.
• GAP Advantage covers the difference between your insurance settlement and your outstanding loan/lease balance.
• You may even qualify to receive $1,000 toward the purchase of your next vehicle financed through PLCU.
• It is available for all PLCU auto loans, and may be purchased for up to one year after the original date financed.
• Add GAP Advantage to your PLCU auto loan for just pennies a day.
• For more information stop by one of our convenient branch locations or call us at (888) 495-3400 or (858) 495-3400.

Auto and Home Insurance

• Your vehicle and your home are important investments.  You want to protect them but don’t want to pay a fortune to do it.  Point Loma Credit Union has chosen to make the MEMBERS Auto & Homeowners Insurance program available to you.
• If you haven’t compared auto or homeowner insurance rates lately, you easily can right now by calling 1-800-987-9220.  You have absolutely nothing to lose.  The call is free, and you’re under no obligation.  Before you hang up, you’ll know how much you could save.
• For a free quote call 1-800-987-9220.

Term and Whole Life Insurance

• A variety of life insurance… because families come in all shapes and sizes.  Every family has its own unique needs.  To find out which life insurance plan best matches your family’s “size and shape” call 1-877-636-2377.

Mechanical Breakdown Insurance

• The farthest thing from your mind when you first purchase a new or used vehicle is expensive repair costs.  Now, when you apply for your loan from Point Loma Credit Union you can purchase a Mechanical Breakdown Insurance policy to help you pay for those repair costs. 
• Protection is affordable and can be financed with your PLCU auto loan.
• For more information, stop by one of our convenient branch locations or call us at (888) 495-3400 or (858) 495-3400.

Accidental Death and Dismemberment Insurance

• Because accidents can and do happen.  Be prepared.  Call 1-877-636-2377 for more information.  Ask about eligibility for $1000 coverage at no cost to you!

Dental Benefits Max

• Dental, Vision and Chiropractic care services are available to PLCU members and their families.
• For only $9.95 a month for individuals and $12.95 a month for families, members can save between 30% and 50% on all kinds of services.
• Savings are also available on prescriptions, hearing aids and medical supplies (anything from beds to bandages!)
• Also, Dental Benefits Max is NOT insurance so there aren't any deductibles or complicated claim forms.
• Click here for more information.

Insured Safety

• The National Credit Union Share Insurance Fund, the strongest of all federal insurers, insures all accounts up to $250,000.  Individual Retirement Accounts are separately insured up to $250,000.