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AACREDITUNION.ORG | 39 Protect you and your family with Credit Life and Disabilit y Insurance*. You are your most valuable asset, and if a debilitating or life-threatening event sidelines you from working, Credit Life and/or Credit Disability (CLCD) Insurance can help free you and your family from financial burden. Protect your vehicle with ex tended warrant y** repair coverage on new and eligble pre-owned vehicles. Prepare for the day after your car's manufacturer warranty expires with a Vehicle Service Agreement (VSA). This extended coverage for auto repair includes things like towing, car rental and roadside assistance. Remember that coverage is crucial, especially for a pre-owned vehicle, as it covers anything mechanically or electrically related. There are different packages and terms that can be tailored to a member's needs and this service can be added at any time, even if your vehicle is financed elsewhere. Protect your loan with Guaranteed Asset Protection (GAP)*** insurance. The last product is known as GAP insurance and offers peace of mind should you ever become upside down on your loan. If your car is totaled by hail damage, for example, and insurance only pays you $10,000, but you still owe $15,000 on the loan, GAP has you covered. Before you consider purchasing any of these products through a dealership, remember the Credit Union offers them all at a much lower price (usually 20 to 50 percent less than dealerships). The Credit Union can also loan members up to 125 percent of the loan-to-value on the vehicle to ensure those products are easily funded. Value-Added Benefits Auto 67% American Payroll Association, Getting Paid in America Survey (2015). of adults would find it difficult to meet current financial obligations if their next paycheck were delayed a week. INSUFFICIENT FUNDS 1 2 3 You plan to keep the car past the manufacturer's warranty. You drive your car a lot (more than the standard 12,000 miles per year). You want peace of mind knowing you are covered. Top 3 reasons to purchase an extended warranty: Source: newcarpromos.com Before you drive that new car off the lot, take a minute to think about the responsibilities that come with it. If something were to prevent you from working, how would you cover the expenses associated with owning a vehicle. American Airlines Federal Credit Union offers value-added services designed to help protect you, your car and your loan. * A separate insurance election that discloses the terms and conditions must be signed for coverage to become effective. MEMBERS CHOICE Guaranteed Asset Protection may vary by state and then by credit union. ** Mechanical breakdown insurance is available in Alaska, Maine, Massachusetts, Oregon and California. *** The information here is intended to provide a general outline of the benefits of MEMBER'S CHOICE Guaranteed Asset Protection. Be sure to carefully read your MEMBER'S CHOICE GAP waiver or policy/certificate of insurance for complete details. Guaranteed Asset Protection may vary by state and then by credit union. In states where GAP protection is an insurance product, MEMBER'S CHOICE Guaranteed Assets Protection is made available and underwritten by CUMIS Insurance Society, Inc. In states where GAP is a debt cancellation product, MEMBER'S CHOICE Guaranteed Asset Protection is made available through your credit union and administered by CUMIS Insurance Society, Inc. Visit us online at AACreditUnion.org/value-added- services.aspx for more information.