Life Insurance | Personal | Redstone Federal Credit Union

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while protecting those who matter most

Life Insurance

With the right Life Insurance policy, you can provide your loved ones with financial security during an especially trying time. It’s an extraordinary gift that will ease their emotional burden and help them move forward with peace of mind.

We’ve helped thousands of families and individuals weigh their options and choose the best Life Insurance policy for them, and we do it all using straightforward terms and practical, personalized advice.When you select the policy that works for your family, you’ll feel confident and comforted knowing that you’ve planned ahead.

You care for your loved ones every day. Ensure that they’re always protected, no matter what the future holds.

3%

CashBack on purchases made in the first 90 days
(Introductory offer)

1.5%

CashBack on ALL purchases made after the first 90 days
No limit on the amount you can receive

0%

Intro APR for 6 months on Balance Transfers made within first 30 days
After that, APR will range from 8.50% –12.00%

Our Visa Signature card features additional exclusive benefits1, including

Entertainment

Access to pre-sales and discounts on tickets to sporting events

Preferred seating offers for select Cirque du Soleil shows

Travel

Incredible travel packages, savings, and upgrades

Premium benefits at prestigious hotels worldwide

Trip Cancellation (reimburses some unused fares)

Dining

Complimentary wine tastings at Sonoma County wineries

Savings at restaurants and gourmet retailers

Service

24/7 Visa Signature Concierge2  service, which includes:

Travel and dining arrangements

Entertainment and event tickets

Hospitality services

Savings

Special offers from select retailers with Visa Discounts**

Price Protection (reimburses the price difference of an item if you find it advertised for less within 60 days of purchase)

Must be RFCU® member to obtain investment products. Must be eligible for membership and open a share savings account in order to join. A $5.00 minimum balance is required to open and must be maintained in share savings account at all times. Fees and other restrictions may apply.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Redstone Federal Credit Union® deposits and are not NCUA insured. These products are not obligations of the Redstone Federal Credit Union and are not endorsed, recommended, or guaranteed by Redstone Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. The investment products are being offered by a dual employee of Redstone Federal Credit Union who also sells investment products for the third party insurance company.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Alabama and Tennessee.

Redstone Federal Credit Union and Redstone Brokerage Services are not registered broker/dealers and are not affiliated with LPL Financial and are separate entities. Redstone Federal Credit Union and Redstone Brokerage Services are affiliated but are separate entities. RFCU does not warrant, guarantee, or insure any product or service offered by LPL or Redstone Brokerage Services.

 



Why do I need Life Insurance?

A good Life Insurance policy will:

  • Compensate for loss of income
  • Assist with debts and costs in the short term
  • Provide funds for college and other future expenses
  • Help your family continue their standard of living


How much do I need?

You’ll need enough to ensure that your family can continue living the way they do now when you’re no longer around. That number varies with each family. When considering an insurance plan, it helps to ask yourself a few questions and then crunch the numbers. What would it take for your family to continue living in your current home if you were to pass away? What about college for your children? Your spouse’s retirement? After evaluating your everyday expenses and goals for the future, a Redstone Brokerage Services agent can help you determine how much coverage you’ll need.



What type of coverage is right for my family?

One of the first things you’ll want to consider is whether to purchase temporary or permanent Life Insurance. What’s the difference? Term, or temporary, Life Insurance covers you for a set period of time—for example 10, 20, or 30 years. Permanent Life Insurance is an investment that provides benefits for your entire life, no matter how long you live. A Redstone Brokerage Services agent can explain the different types of Life Insurance in more detail and will work with you to find the insurance policy that makes the most sense for you and your family.

We offer a variety of plans and options to fit your budget and your goals. To discuss these policies in more detail and to find the best option for you, contact a member of our Insurance Team or get a quote online.

Term Life Insurance

  • Provides a cost-effective solution for your temporary life insurance needs
  • Gives you the flexibility to change your policy should your temporary needs turn into permanent goals
  • Offers the greatest amount of coverage with the lowest premium



Variable Universal Life Insurance

  • A form of permanent life insurance
  • Flexible terms and investment possibilities
  • Invest your cash value in professionally-managed funding options that reflect the performance of underlying investments such as stocks and bonds. Policy values will fluctuate and are subject to market risk and to possible loss of principal

Whole Life Insurance

  • The simplest form of permanent life insurance, it features lifelong protection
  • This predictable option provides guaranteed premiums, death benefit, and cash value


Single Premium Life Insurance

  • A single premium is deposited creating an immediate death benefit guaranteed for the remainder of the policy owner's life
  • For those who want to transfer wealth to the next generation while maximizing the amount of funds transferred

Universal Life Insurance

  • A form of permanent life insurance, it provides coverage for an extended period of time
  • Provides flexibility that allows you to change, within limits, the death benefit and the timing and amount of your premium
  • Build your policy's cash value, or pay a lower premium and focus more on guaranteed protection


Survivorship Life Insurance

  • May be ideal for those who want to leave an inheritance, protect a business, or provide a lasting benefit to a charity
  • Covers two people, usually spouses, under one policy, but provides a benefit only after the second person passes away, which is typically when estate settlement matters arise
  • An important part of any estate plan

Make a Plan for Your Family’s Future

EVERY Redstone Visa credit card includes all of these features

Convenience

Quick and easy purchases Visa is accepted all over the world

24/7 U.S.-based, live-agent phone support includes emergency card replacement

Manage your account anytime with Redstone’s Online Banking

Security

Zero-liability fraud protection

Monitor credit card activity with Credit Card Control

Real-time fraud monitoring and fraud text alerts

Identity theft assistance

Savings & Discounts

No annual fee

No Balance Transfer or Cash Advance fees

Visa Discounts on your purchases at select retailers**

Redstone Discounts!® when you use your card at many local businesses**

Additional Benefits    

Travel and Emergency Assistance

24-hour Roadside Dispatch service

Auto Rental Collision Damage Waiver insurance coverage for cars rented with your Visa card

Warranty Manager Service manage, use, and extend the warranties of eligible items purchased with your Visa card

Can’t afford to put 20% down but don’t want to pay PMI? Consider Redstone’s No PMI Mortgages, which allow you to put 5% or 10% down and finance the rest—and you’ll pay no PMI.
See how >>

Mortgages are only available for properties located in Alabama and Tennessee.

Loans subject to credit approval. Must be RFCU® member to obtain mortgage. Must be eligible for membership and open a share savings account.  A minimum balance of $5.00 is required to open and be maintained in share savings account at all times. Fees and other restrictions may apply. Contact Credit Union for details. Various types of mortgage loan programs and terms are available. RFCU is an Equal Opportunity Lender. Rates, terms and conditions are subject to change without notice. Must create separate user name and password to gain access to mortgage application process

*Consult your tax advisor regarding the deductibility of mortgage interest and private mortgage insurance premiums.

**LPMI typically terminates only when the loan is refinanced, paid off, or otherwise terminated. For BPMI, when the loan-to-value ratio reaches 78% of the original value, BPMI will be automatically terminated.

Guarantees offered are based on the claims-paying ability of the issuer.

Must be RFCU® member to obtain insurance products. Must be eligible for membership and open a share savings account to join. A $5.00 minimum balance is required to open and must be maintained in share savings account at all times. Fees and other restrictions may apply.

Securities offered through LPL Financial, member FINRA/SIPC. Products offered through LPL Financial or its licensed affiliates. The products sold through LPL Financial are not insured Redstone Federal Credit Union® deposits and are not NCUA insured. These products are not obligations of the Redstone Federal Credit Union and are not endorsed, recommended, or guaranteed by Redstone Federal Credit Union or any government agency. An employee of Redstone Federal Credit Union may also be associated with and offer and sell the insurance products on behalf of LPL financial. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

The services offered within this investment site are available exclusively through our U.S. registered representatives and are available for U.S. residents only. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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FEATURED RATES

Balance transfer0% APR for 12 mos

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30-year fixed mortgage low 3.375% / 3.501%

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New auto loans as low as 2.35%

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Personal loans as low as 9.99% APR

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