I had 2 loans with Servus Credit Union. They both had insurance coverage for disability or death. I ended up off of work with a disability for 10 months and they denied paying for coverage for the larger loan and paid only 110.25 for the smaller loan which was much less than the 3% that they say they will cover. All I get is the run around when I have had to deal with them. So please Do Not get Any Insurance Coverage with CUMIS. They just screw you around. Guaranteed.