In a world full of uncertainties, it’s incredibly important to be protected against loss and financial liability. We can help you protect your family, financial status, and credit rating with a variety of affordable and beneficial insurance programs.
Member Advantage Insurance Service (MAIS)
Member Advantage Insurance Services is your Credit Union owned insurance agency – who better to help you protect your assets! Whether it’s your home, car, business, treasured possessions, or all of these, we’ve got you covered.
You need car insurance, but why not find a one-stop shop that can meet all your policy needs? We strive to educate clients about current insurance requirements, making sure you have the protection you need without worrying about paying for policies you don't.
Home & Renters
A comprehensive policy should go above & beyond to cover more than just the structure of the house itself. Whether you live in a condo, apartment, house, or duplex, we can protect you and your assets.
Commercial insurance can be complicated, so you need someone on your side who can guide you through the insurance process, assessing your individual risks and ensuring your company is well covered.
No one wants to think about leaving family members with unexpected debt following a loss, but proper planning now can help alleviate burdens you won't want your family going through in that darkest hour.
A broken paw shouldn't break the bank! Unexpected vet bills can wreak havoc on your budget. Petplan takes the worry out of paying for the care your pets deserve, so all you have to do is love them.
Our licensed agents work with individuals, families, and businesses throughout California and Nevada, providing information, guidance, and support – before, during and after signing up. We’ll spend time with you while you decide the coverage most suitable for you, and we’ll help update your policy and provide support if you need to file a claim.
Starting your search?
Whether you’re ready to purchase a policy or want to speak with an agent, the team at Member Advantage is here for you. Stop hunting online for quotes; we can take care of that for you. We shop our full list of carriers to match you with the plan that best meets your requirements & budget.
We're one of the few independent agencies that can accommodate all of your insurance needs, and we offer competitive rates that encourage clients to buy all their insurance products with us.
Mechanical Breakdown Protection (MBP)
The average family drives 18,000 to 20,000 miles per year. At this rate, a manufacturer’s warranty is exhausted in less than two years. It just doesn’t make sense to purchase a vehicle without this coverage. And, we can offer you significant savings over buying it from the dealer.
Most auto insurance policies cover “replacement value” only, if your vehicle becomes a total loss as the result of an accident or theft. GAP insurance can cover the “gap” between what you may owe on the vehicle and its actual replacement value. So let’s say you purchase your vehicle for $26,995. Plus taxes and fees, it comes to around $30,000, and you finance the full amount. However your vehicle’s replacement value is only $24,000, which is the amount your insurance company will pay you. You’ll still have a $6,000 debt left to pay - and nothing to show for it, since the car is no longer yours. GAP insurance will pay your remaining loan balance off completely, plus they’ll put $1,000 toward a new car financed through the Credit Union!
Accidental Death & Dismemberment (AD&D)
AD&D gives you the confidence of knowing your loved ones will be financially secure in the event of your accidental death or dismemberment. The first $1,000 of insurance coverage is complimentary, and you may purchase additional coverage of up to $300,000 for only pennies a day.
Often referred to as payment protection or debt cancellation, it’s designed to protect your family and your estate if you pass away, become disabled, or are unemployed for a period of time. Coverage is surprisingly affordable and can provide you and your family with peace of mind that’s priceless.
Basic Elements - Legal Text
1Insurance products and services are offered through Member Advantage Insurance Services, a licensed insurance agency/broker. Products offered through Member Advantage are not guarantees or obligations of SCE Federal Credit Union. Individual representatives are licensed with the California Department of Insurance and are employees of Member Advantage Insurance Services directly or indirectly. SCE FCU has contracted with Member Advantage Insurance Services through an administrative services agreement to provide insurance products and services to SCE FCU members.