{"id":138,"date":"2022-07-19T13:08:51","date_gmt":"2022-07-19T19:08:51","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=138"},"modified":"2026-01-29T16:31:02","modified_gmt":"2026-01-29T23:31:02","slug":"life","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/insurance\/life\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-life-insurance-basics\">Life Insurance Basics<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Life insurance\u202fis a contract with an insurance company. You are protected through the lifetime of the contract in exchange for monthly or annual payments. If you were to pass away while your policy was active, your chosen beneficiary (more on beneficiaries later) would receive a sum of cash. Your beneficiary might use this money (called a death benefit) to pay final expenses, pay the rest of your mortgage, or cover any expenses for your loved ones. In most cases, the death benefit is tax-free.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">Talk with ICCU Insurance Services for personalized guidance, or get a TruStage\u00ae quote online in minutes if you\u2019d like a quick, self\u2011serve option.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More Info<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"#trustage\">Explore TruStage\u00ae<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"http:\/\/www.iccu.com\/wp-content\/uploads\/2023\/02\/Life-Insurance_2.webp\" alt=\"\" class=\"wp-image-4984\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-why-do-i-need-life-insurance\">Why Do I Need Life Insurance?<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Life insurance is for your loved ones! There are some primary questions for your loved ones that life insurance provides a solution and safeguard for. They are:<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Would they be financially prepared to cover the household expenses if you were no longer around to help with the family bills?<\/li>\n\n\n\n<li>If you are carrying debt or have a mortgage, would your family be able to cover these expenses in case of your death?<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Life insurance provides tax free cash benefits to cover these costs, so your family will not face a financial hardship during an already challenging time. We believe that life insurance translates into an act of love for those you care about.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">Whether you prefer working with our local Insurance Services agents or applying online with TruStage\u00ae Life Insurance, we\u2019ll help you find coverage that fits your life and budget.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More Info<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"#trustage\">Explore TruStage\u00ae<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\" id=\"term-vs-whole\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-term-life-vs-whole-life-insurance\">Term Life Vs Whole Life Insurance<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-term-life-insurance\">Term Life Insurance<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Term life insurance is coverage for a certain period of time, such as 10, 20, or 30 years. After that time has passed, the policy can be renewed \u2014 sometimes at a new (and potentially higher) rate \u2014 or in some cases, rolled into a whole life insurance policy. Because it does not accumulate value like whole life insurance, term life insurance can be a more affordable option. Given the short-term nature of this type of life insurance, it\u2019s often selected as a type of financial safety net by those who still have dependents.<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>\u201cRenting\u201d your coverage<\/li>\n\n\n\n<li>10, 15, 20, 25, 30-year terms<\/li>\n\n\n\n<li>Plans start at less than $20\/month<\/li>\n\n\n\n<li>No cash value<\/li>\n\n\n\n<li>No payment flexibility (if you miss a payment, your policy will terminate)<\/li>\n\n\n\n<li>Various riders to suit your needs<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-whole-life-insurance\">Whole Life Insurance<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Simply put, whole life insurance is lifelong coverage. As long as the benefits are paid, whole life plans do not expire, and the benefit is paid upon the death of the policyholder. While whole life insurance is more costly, there are several key benefits. The longer you have whole life insurance, the more value it accrues. Part of that cash value can be withdrawn or borrowed during the life of the policy, however, there are some implications. Also, the tax benefits of whole life insurance can make it a useful estate planning tool for some.<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>\u201cOwning\u201d your coverage<\/li>\n\n\n\n<li>Length is your whole life<\/li>\n\n\n\n<li>More expensive<\/li>\n\n\n\n<li>Has cash value<\/li>\n\n\n\n<li>More payment flexibility given the cash value component of your policy<\/li>\n\n\n\n<li>Various riders to suit your needs<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"mortgage\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-mortgage-protection-insurance\">Mortgage Protection Insurance<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Mortgage protection is a type of term life insurance designed to cover your mortgage payments if you pass away while the policy is in force. For many people, their home is their most valuable asset, so this insurance ensures that their loved ones could stay in the home rather than face a financial hardship if the primary breadwinner was no longer around to help pay the bills. Many mortgage protection policies also offer coverage if the homeowner becomes disabled or receives a critical illness diagnosis.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More Info<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"#meet-the-team\">Meet the Team<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"http:\/\/www.iccu.com\/wp-content\/uploads\/2023\/02\/Life-Insurance_1.webp\" alt=\"\" class=\"wp-image-4983\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\" id=\"final-expense\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-final-expense-insurance\">Final Expense Insurance<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Final expense insurance is a type of permanent life insurance policy that provides a lump sum to your chosen beneficiary to cover end-of-life expenses. If you buy final expense insurance and continue to pay premiums during the life of the policy, your beneficiary will receive the death benefit when you die. They can use the death benefit to cover costs related to your passing, including medical expenses, a memorial, or funeral service. Many families don\u2019t have the funds readily available to cover funeral expenses, which generally cost around $10,000. Final expense insurance steps in to pay for the burial and any other expenses your family needs, so they don\u2019t have to face a financial burden during a difficult time.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More Info<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-link\"><a class=\"wp-block-button__link wp-element-button\" href=\"#meet-the-team\">Meet the Team<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-color has-dark-green-background-color has-text-color has-background has-link-color wp-elements-28497caa0164e5734ca95899c7a23463\" id=\"trustage\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-text-color\" id=\"h-trustage-life-insurance\" style=\"color:#a7e240\">TruStage\u00ae Life Insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-an-easy-online-option-for-members\">An easy, online option for members<\/h3>\n\n\n\n<p>Looking for a simple way to help protect your family\u2019s financial future? In addition to working directly with our ICCU Insurance Services agents, you can explore TruStage\u00ae Life Insurance built for credit union members and designed to fit a range of needs and budgets. With TruStage\u00ae, you can get a quote and apply online in minutes with no medical exams or intrusive tests. If approved, coverage can begin after your first payment, and you\u2019ll have a 30\u2011day satisfaction guarantee.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-coverage-options-with-trustage\">Coverage options with TruStage\u00ae<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Term Life<\/strong>. Temporary coverage that doesn\u2019t decrease while in force and can be converted to Whole Life later if your needs change (subject to product terms). Many members choose Term to cover high\u2011responsibility years (kids, mortgage).<\/li>\n\n\n\n<li><strong>Whole Life<\/strong>. Lifelong protection with locked\u2011in premiums that won\u2019t increase with age or health changes. It may build cash value over time.<\/li>\n\n\n\n<li><strong>Guaranteed Acceptance Whole Life<\/strong>. A no\u2011health\u2011questions option designed for members who want permanent coverage and can\u2019t be turned down for health reasons.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-trustage\">Why TruStage\u00ae?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Self\u2011serve, digital path with instant decisions and online account tools.<\/li>\n\n\n\n<li>Over 35 million consumers protected.<\/li>\n\n\n\n<li>Underwritten by CMFG Life Insurance Company, rated \u201cA\u201d Excellentby A.M. Best.\u00b9<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-inverted\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.trustage.com\/life-insurance\/quote?orgIdentifier=000000004388\" target=\"_blank\" rel=\"noreferrer noopener\">Get a Trustage\u00ae quote<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-xs-font-size\">TruStage\u00ae Life Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. Insurance products are not deposits, not NCUA or federally insured, not guaranteed by ICCU, and may involve risk. <\/p>\n\n\n\n<p class=\"has-xs-font-size\"><sup>1<\/sup>A.M. Best, 2024. CMFG Life Insurance Company is rated \u201cA\u201d (Excellent) as of December 2024 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An \u201cA\u201d rating is the third-highest of 16 ratings.<\/p>\n\n\n\n<style>#trustage ul {margin-top: 10px;} .entry-content .wp-block-group p, .entry-content>p {padding: 0;}<\/style>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-life-insurance-faqs\">Life Insurance FAQs<\/h2>\n\n\n\n<p class=\"has-lg-font-size\">When you are reviewing your options for life insurance, you will see a lot of information out there about term lengths and coverage amounts. There is not a one-size-fits-all answer for life insurance: the perfect fit depends on your unique circumstances. You will want to look at your income, your health, your family, and your goals to determine how much insurance you need. And keep in mind that your policy can grow with you, so there is no wrong answer. Finding the right insurance is a key part of planning for the future. Once you know the questions to ask, you can gain a better understanding of life insurance coverage options and make the best decision for your family. To help you determine how much life insurance you may need, ask yourself these questions:<\/p>\n\n\n<section id=\"block_17f6fe581b19973775feefebc0c54856\" class=\"o-simple-faq  is-layout-flex wp-block-columns alignwide\">\n    <div class=\"o-simple-faq__inner\">\n        <h2 class=\"has-text-align-left\"><\/h2>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Who do I want to protect? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">A life insurance policy can help protect surviving family members and dependents \u2014 children, parents, and spouses \u2014 from financial burden after your death. Making a list of those you want to protect can help you determine what type of life insurance you\u2019ll need.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">How much life insurance do I need? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Determining what you want the insurance to cover can help you decide how much to purchase. You may want your coverage to match several years of your salary to support your family and cover any expenses they may be unable to afford without your support. For example, a life insurance policy can help cover your remaining mortgage or car loan, college expenses for a surviving spouse or children, or even your burial and funeral costs.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">How long do I need coverage? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Some people \u2014 particularly those with dependents \u2014 choose to carry life insurance during their working years when a loss of income would threaten their family\u2019s financial wellness. If you\u2019re older, you may want a policy for a fewer number of years with a smaller monthly fee.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">What if my life insurance needs change? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Your insurance needs may change over time depending on your family situation, income level, and the assets you accumulate over your lifetime. An annual reassessment of your plan will help ensure you are well-equipped to care for your loved ones\u2019 current and future needs.<\/p>\n        <\/div>\n          \n    <\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<section id=\"meet-the-team\" class=\"o-meet-the-team \">\n    <div class=\"o-meet-the-team__inner\">\n                    <h2 class=\"o-meet-the-team__heading\">Meet the Team<\/h2>\n        \n                    <ul class=\"o-meet-the-team__list\">\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2024\/10\/rachel-hazelbush.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent - Rachel Hazelbush\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Rachel Hazelbush\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Treasure Valley<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:rhazelbush@iccu.com\">rhazelbush@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12082393033\">208-239-3033<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/04\/2025_Anthony_Martinez.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent - Anthony Martinez\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Anthony Martinez\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> North Idaho<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:ammartinez@iccu.com\">ammartinez@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12088517167\">208-851-7167<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/08\/Nick_Wells_.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent - Nick Wells\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Nick Wells\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<br> <span style = \"line-height: 1.5;\">Hablo Espa\u00f1ol<\/span><\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Treasure Valley<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:nwells@iccu.com\">nwells@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12086467398\">208-646-7398<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/10\/Quintin_Harral.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Officer, Quintin Harral\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Quintin Harral\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Southeast Idaho<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:qharral@iccu.com\">qharral@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12086467454\">208-646-7454<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                                    <li class=\"o-meet-the-team__item\">\n                        <article class=\"m-mortgage-loan-officer-card\">\n    \n                    <div class=\"m-mortgage-loan-officer-card__image\"><img loading=\"lazy\" decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/12\/Jesus-Morales_Websitephoto.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"ICCU Insurance Agent, Jesus Morales\" \/><\/div>\n                <h1 class=\"m-mortgage-loan-officer-card__name\">\n                    Jesus Morales\n            <\/h1>\n    <p class=\"m-mortgage-loan-officer-card__title\">Insurance Agent<br> <span style = \"line-height: 1.5;\">Hablo Espa\u00f1ol<\/span><\/p>\n            <p class=\"m-mortgage-loan-officer-card__region\"><i class=\"fa-light fa-location-dot\"><\/i> Treasure Valley\/Magic Valley<\/p>\n        <div class=\"m-mortgage-loan-officer-card__contact\">\n                            <p class=\"m-mortgage-loan-officer-card__email\"><i class=\"fa-light fa-envelope\"><\/i> <a href=\"mailto:jmorales@iccu.com\">jmorales@iccu.com<\/a><\/p>\n                            <p class=\"m-mortgage-loan-officer-card__phone\"><i class=\"fa-light fa-phone\"><\/i> <a href=\"tel:+12088490256\">208-849-0256<\/a><\/p>\n                <div class=\"m-mortgage-loan-officer-card__links\">\n\n        \n        <\/div>\n\n    <\/div>\n<\/article>\n                    <\/li>\n                            <\/ul>\n            <\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-contact-us\">Contact Us<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Have questions? Feel free to contact our Insurance Services Team to get started today. We love questions!<\/p>\n\n\n\n<p class=\"has-lg-font-size\"><strong>(208) 985-7427<\/strong> (TTY 711)<br>Monday-Friday: 8:30am-5:30pm MT<br>insuranceservices@iccu.com<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/insurance\/contact\/\">Request More Info<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"293\" src=\"http:\/\/www.iccu.com\/wp-content\/uploads\/2023\/01\/Municipalities_Hero.webp\" alt=\"Business man smiling\" class=\"wp-image-4912\" srcset=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/01\/Municipalities_Hero.webp 390w, https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/01\/Municipalities_Hero-285x214.webp 285w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-xs-font-size\">ICCU Insurance Services, LLC is a wholly-owned subsidiary of ICCU and a licensed insurance agency. Business conducted with ICCU Insurance Services, LLC is separate and distinct from any business conducted with ICCU. Insurance products are not products or obligations of ICCU, are not NCUA or federally insured, are not endorsed or guaranteed by ICCU or any government agency and may lose value.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"175\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/06\/iccu_ins_logo.webp\" alt=\"Insurance services logo\" class=\"wp-image-22689\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life Insurance Basics Life insurance\u202fis a contract with an insurance company. You are protected through the lifetime of the contract [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4982,"parent":1050,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-138","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Life Insurance - ICCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/insurance\/life\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Life Insurance\" \/>\n<meta property=\"og:description\" content=\"Life Insurance Basics Life insurance\u202fis a contract with an insurance company. 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Whether you\u2019re banking in the branch or banking on the go, ICCU is looking after your daily balance. Get great rates on auto and home loans. Check out our Visa Rewards Cards. Discover more perks with Central Plus Checking. Bank your way with drive-thru, ATM, live video chat, mobile banking. Open Saturdays. We also offer investment, insurance, and business solutions. As a member of ICCU, you\u2019ll have a financial leader that\u2019s helping you achieve financial success. Routing Number: 324173626. 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