Insurance Options

Life can be unpredictable. Make sure you’re prepared for the unexpected with the appropriate insurance coverage. CJFCU offers a variety of products through our partners that will ensure you have the coverage you need when you need it most.


Accidental Death & Dismemberment

AD&D Insurance is offered through Minnesota Life Insurance Company. All credit union members age 18 or older are eligible to apply for coverage. There are no medical questions or physical examinations required for enrollment.

Key Benefits:

  • Affordable insurance premiums
  • Acceptance is guaranteed; no medical questions to answer
  • Additional coverage features: “Anti-Inflation” Benefit; Education Benefit; Dependent Child Day Care Benefit; and more…
  • Multiple coverage options to fit your budget

Questions? Call Minnesota Life’s Plan Administrator at 1 (877)-420-4888

  • Monday – Friday 8:00 AM to 9:00 PM (EST)
  • Saturday 9:30 AM to 6:00 PM (EST)



Hospital Accident Protection

Hospital Accident Protection (HAP) is offered through Hartford Life and Accident Insurance Company and pays cash benefits directly to you, the member in the event of hospitalization due to a covered accident. HAP pays on top of other insurance policies you may already have. No medical exams are required. You may also choose single or family coverage.

Key Benefits:

  • Provides emergency cash directly to you to spend as you choose
  • Affordable coverage that pays in addition to other health insurance
  • Includes emergency room visits and hospital stays due to covered accidents
  • Acceptance is guaranteed
  • Reasonable rates to protect your spouse and dependent children

For information call: 800-860-7098



TruStage Insurance Agency website

Important coverage on your auto and home is now available through a convenient and dependable source – your credit union. With TruStage Insurance, you may save on auto & homeowner insurance just for being a member of the Credit Union. You may also qualify for a number of other discounts that could save you hundreds of dollars on insurance.

No obligation rate quotes by phone – Simply call 888-380-9287 for a free price quote or visit the website. Insurance counselors are available to provide you with professional advice on coverage, rate, discounts, and benefits.


The Family Security Plan

The Family Security Plan®, A Trusted Partner with Central Jersey Federal Credit Union

Since 1973 The Family Security Plan® has been connecting credit union families with high quality affordable insurance benefits that fit your lifestyle and budget. With Central Jersey Federal Credit Union and The Family Security Plan® on your side, take the first steps toward securing your family’s future.

Through a partnership with The Family Security Plan®, we are pleased to offer members:

Whole Life Insurance
Secure your family’s future with permanent protection that never expires.  Should you need cash for any purpose, you may borrow against the cash value in your life insurance policy.

Term Life Insurance
If your family is faced with the loss of you and your income, ease the financial burden with protection at an affordable price for a specific length of time.

Disability Income Insurance
In the event that you are unable to work due to a disabling injury or illness this is a convenient, affordable way to ensure you have income.

Critical Illness Insurance
Focus on getting better with a lump sum benefit paid directly to you upon the first diagnosis of a covered critical illness.*

Accident Insurance
Handle the medical and out of pocket costs that add up after a covered accidental injury with this benefit.

Hospital Sickness Insurance

Pays money directly to you if you get hospitalized due to an illness, regardless of any other coverage you may have.


No Cost Accident Benefit
Nothing is more important to us then our member’s financial future. We are happy to offer you, at no cost, the Private Passenger Accident Plan. Through this plan you will receive up to $240 per day you are hospitalized due to an accident in a private passenger automobile.** To activate your NO COST plan click here!

Get a free quote today! It’s quick and easy. To get started visit:

To find out more about any of The Family Security Plan® programs,

visit or call (855) 789-4976.


*Covered critical illnesses are defined in the policy.
** The first day of a hospital stay must occur within 90 days of the accident causing injury. The maximum hospital stay period that the benefit is paid per accident is 30 days, with said period including any re-admittance period occurring from the same accident within 180 days after discharge. Coverage available to eligible individuals annually for placement/renewal from the ages of 18-80; upon attaining age 70, the benefit shall be reduced by 50% and upon attaining 80, coverage is terminated/not available. Certain types of accidents and coverage are excluded.



These products are not NCUA/NCUSIF or otherwise federally insured; are not guaranteed or obligations of the credit union; are not offered, recommended, sanctioned, or encouraged by the federal government; and may involve investment risk, including possible loss of principal. Products may be offered by an employee who serves both functions of accepting member deposits and selling non-deposit investment and insurance products.