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SCAM ALERT: Sandia Area members are continuing to report fraudulent phone calls and text messages from people claiming to be Sandia Area member representatives. This includes spoofed phone numbers which appear to originate from Sandia Area. Please be aware that Sandia Area will NEVER initiate a phone call or text message asking for your online banking credentials or to request a transfer of funds. Learn more ► 

Debt Protection

Protect your family against the unexpected with Debt Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.

This protection could cancel your loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow.

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask your Member Services Officer about eligibility, conditions, or exclusions.1

Ask your Member Services Officer to protect what matters most to you.


  Death Disability Involuntary Unemployment
  • Protected borrower passes away.
  • A covered disability occurs due to injury or illness.
  • A covered job loss occurs.
up to the contract maximums
  • Your payments or loan balance.
  • Your loan payments.
  • Your loan payments.
  • Have an eligible loan.
  • Are a permanent employee who is actively working.1
  • Are a permanent employee who is actively working.1
  • Are honorably discharged.


Protection when it matters... We are here to help! 

In your time of need, our claims process is quick and easy. If you elected credit life or disability on your loan, you can use this convenient claims process to quickly and easily file your insurance claim. 

To begin, please fill out a claim form at

If you prefer, call 1.800.621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.2

Please refer to the Contract for complete terms and conditions of the program as additional eligibility requirements, conditions, and exclusions apply.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.

1. Please contact your Member Service Officer or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

2. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidaries and affiliates. MEMBER'S CHOICE® credit life and credit disability insurance is underwritten by CMFG Life Insurance Company. 

Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Sandia Area need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer's choice.

OMS#: DPM002 † MARKETING#: DP-1394018.1-0116-0218

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