Home & Auto
Niagara’s Choice FCU and Emerling Floss Murphy & Associates have partnered together to bring credit union members special program rates on their auto & homeowner’s insurance, as well as providing options for ATVs, boats and RVs. Our Niagara’s Choice insurance agent is Scott Medole from the Emerling Floss Murphy & Associates. He would be happy to meet with you to determine whether you are paying too much for your existing coverage while also showing and comparing your program to alternative options in the market. Emerling Floss Murphy & Associates is also happy to provide a second location in Lockport for your convenience. To learn more about Emerling Floss Murphy & Associate and Scott Medole’s extensive offerings and customer service, please visit EFM-Agency.com. As an Independent Agent, Scott works for what is best for the member, not the insurance company.
The EMS Group provides FREE quotes on home and auto insurance and is solely responsible for the products it represents.
Call Scott at (716) 932-3004 or email him: [email protected]
Accidental Death & Dismemberment
Accidents can happen anytime. Be prepared.
A serious or fatal accident could change your family’s life in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.*
That’s why you’re entitled to TruStage® Accidental Death & Dismemberment Insurance—an exclusive member benefit fully paid for by Niagara’s Choice FCU.
If you choose, additional insurance is available for you or your entire family at budget-friendly rates. Your acceptance is guaranteed—with no health questions or medical exam.
Since accidents can happen anytime, there’s no better time to help protect the people who matter most.
*Accident statistic from National Safety Council “Injury Facts,” 2018.
TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677‑0061. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
Base Policy Series E10a-015-2012, E10a-014-2012, E10a-ADD-2012 and 2018-ADD-POL
© 2020 TruStage Insurance Agency
TruStage Insurance: Simple, Straightforward, Designed to Fit your budget.
Life insurance can help give you peace of mind today and provide income-tax free money for your family if you die. I can ease the burden of expenses you might leave behind like funeral costs, mortgage payments or unpaid debts.
Credit Life & Credit Disability
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