Home and Auto Insurance:

Niagara’s Choice FCU and the EMG Group have partnered together to bring you not only insurance products with potential cost savings, but valuable information as well. Our Niagara’s Choice home and auto insurance agent  is Scott Medole from the Emerling Agency. He would be happy to meet with you to determine whether you are paying too much for your existing coverage and show you different options. You can schedule an appointment to meet with him according to your schedule, including appointments right at your home.

The EMS Group provides FREE quotes on home and auto insurance and is solely responsible for the products it represents.

Call Scott directly at (716) 631-0190


Accidental Death & Dismemberment Insurance:

Accidental death & dismemberment insurance is available to our members. See below for our “AD&D” coverage.

  • Every NCFCU member is covered, at no cost, with “AD&D” coverage up to $2,000 from Affinion Group. Additional coverage is available at a cost.
  • Every NCFCU member is also covered with $4,000 of “AD&D” insurance from NILCO (National Life Insurance Company). Spouses are covered up to $500 and $250 for each child.

Credit Life & Credit Disability Insurance:

Niagara’s Choice offers Credit Life & Credit Disability insurance to our members. Credit insurance may help ease the financial burden of your loan obligation in the event of an unexpected life event, injury or illness.

  • Credit Life Insurance: Is designed to help reduce or pay your eligible loan balance, up to the policy maximum, should an unexpected life event occur.
  • Credit Disability Insurance: May make your loan payment, up to the policy maximum, if you become totally disabled due to a covered injury or illness.

Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL-1537510.1-0616-0718