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1st MS offers a variety of insurance services to give our members the coverage they need. Learn more about the types of insurance we offer below, then visit one of our branches to sign up. Our specialists will help you decide what coverage is right for you and will walk you through the application process.

Credit Life and Disability

Credit Life and DisabilityProtecting your loans through credit insurance will help your family retain your standard of living even in the case of income reduction because of job loss or injury. Many of our loans at 1st MS are eligible for Credit Life or Credit Disability Insurance. Benefits include:

  • Ensures that loans are paid so that your family can meet other expenses
  • Pays off your loan balance or reduces it in the event of death, makes payments on your loan in the event of disability
  • Insurance premium payment is included in your monthly loan payment
  • Enrollment is quick and simple – you can enroll at the same time you open your loan
  • Immediate coverage upon the opening of the loan

Ask one of our specialists about Credit Life or Disability Insurance when you are considering a loan. You will find it brings peace of mind to your family during the duration of the loan.

The TruStage Health Insurance Program: Affordable Health Insurance Made Easy.

TruStage Health Insurance ProgramInsurance protection is part of a solid financial plan. That’s because dependable coverage helps ensures financial relief when you need it most. And along the way, that coverage means you’ll take comfort in knowing you’re protected. Founded on nearly 80 years of working together with credit unions, we make a variety of insurance products and programs available to members like you—and help you protect what matters most.

Welcome to TruStage and insurance the credit union way. To learn more, get quotes or just explore, visit

© TruStage Insurance Agency, 2013. All rights reserved.

TruStage™ insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies.


Guaranteed Asset Protection Insurance

Guaranteed Asset Protection InsuranceGAP Insurance is offered to provide protection for auto loans and can help you with coverage during the time period in which you are making payments on your vehicle. The majority of people who take out auto loans today are opting for five- or six-year loan terms. Because vehicles depreciate rapidly, there may come a point when you owe more for your vehicle than it’s worth. GAP Insurance helps protect you if your auto is stolen or totaled in an accident. This insurance will cancel the difference between the settlement and the amount you owe on the vehicle, keeping you out of major financial trouble.

The premium fee can be included with your monthly auto loan payments or made separately. We work with you to find a solution that is best for you. If you are interested in GAP Insurance coverage, let us know at the time of your auto loan, and it will be added to your loan quickly and efficiently.

Mechanical Breakdown/Extended Warranty Protection

Mechanical Breakdown/Extended Warranty Protection1st MS offers this insurance coverage to protect you against vehicle repair costs. As your vehicle gets older, the risk and the cost of repairs increase, so you will see a benefit from owning a policy covering mechanical repairs. This insurance pays for the cost of covered repairs less your deductible, which is based on the plan you choose. Our Silver, Gold, and Platinum plans each offer increasing levels of coverage. All of our plans offer these additional benefits:

  • Rental reimbursement
  • 24-hour emergency roadside assistance
  • Travel expense reimbursement

Visit one of our locations and learn more about Mechanical Breakdown Insurance. Our insurance specialists will help you decide which plan is right for you.