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First Fidelity offers a wide variety of personal insurance products to help give you a peace of mind that you are prepared no matter what circumstances you might incur in life.

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Type of Insurance
Credit Life More››

Credit Life

What is Credit Life?

Payment Protection provides insurance that benefits the client, the bank and the associate.  Payment Protection was designed to guarantee that the insured loan obligation will be paid in the event the insured dies or becomes disabled. Credit Life (Payment Protection) is a voluntary purchase at loan origination.

Three types of coverage: 

  • Credit Disability (available independent of credit life), which pays a daily benefit towards the monthly loan payment if the customer is disabled and unable to work. After a defined waiting period, benefits are paid retroactive to the first day of disability
  • Credit Life pays the outstanding loan balance upon the death of the insured*.
  • Term Insurance

* In the case of accidental death, an additional benefit payment goes to the beneficiary; the amount
of the benefit is the full amount of the policy (original amount of the loan).
The primary borrower can have credit life & A&H without the secondary subscribing.

Guaranteed Auto Protection (GAP) More››

Guaranteed Auto Protection (GAP)

There are a multitude of unforeseen events that result in a total loss to vehicles.  Thousands of vehicles are stolen and never recovered. Just because a borrower has car insurance does not mean their loan will be paid off. GAP provides much needed financial protection at a minimal cost so that the borrower is not left owing money on the loan.

What is GAP?

  • Guaranteed Auto Protection is not insurance. It is a Debt Cancellation Agreement.
  • GAP is designed to eliminate the borrower’s unpaid loan balance in the event of a total loss or theft, whenever the insurance settlement fails to pay off the loan.
  • The deficiency balance includes the borrower’s insurance deductible up to $500.

Benefits 

  • Enables borrower to finance more than Loan to Value, especially when financing tag, title and tax, extended warranty, credit life.
  • Greatly reduces or eliminates remaining loan balance after the insurance settlement in the event of a total loss or unrecovered theft.
  • Increases borrower’s purchasing power on a replacement vehicle by eliminating a carryover balance. Breaks that cycle of being upside down.
  • Eliminates a borrower’s “out of pocket” responsibility such as their deductible up to $500.
  • Helps protect borrower’s credit rating. Many borrowers would not be willing to continue to make loan payments when they no longer have the vehicle to drive because it is totaled or stolen.
  • Maximum benefit for minimum cost. GAP costs only a few dollars a month or only
    pennies per day.
  • Added benefit for collateral that is prone to rapid depreciation, has high mileage, or does not hold its value for a multitude of other reasons.
Long Term Care More››

Long Term Care

What is Long Term Care?

Long-term care insurance helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Click here for more information on Long Term Care.

Life Insurance More››

Life Insurance

Life Insurance transfers the financial risk of life's events to an insurance company. A sound life insurance program can help protect your family and/or business from the financial consequences of the loss of a loved one.

Life Insurance is available through our First Fidelity Financial Group.

Call our customer service department or visit your local First Fidelity branch office for more information.

Securities products are offered through Cetera Investment Services LLC, member FINRA/SIPC.  Advisory services are offered through Cetera Investment Advisers LLC.  Neither firm is affiliated with First Fidelity Bank.  Advisory services are only offered by Investment Adviser Representatives

Vehicle Service Contracts More››

Vehicle Service Contracts

Benefits & Features

  • Competitive Rates
  • The coverage gives the highest degree of protection and is the most comprehensive plan available on the market. The coverage is so extensive it only names what is excluded from coverage
  • The plan uses National Auto Care (NAC), NAC is well known locally, dealers and service providers are very familiar with the company
  • No Wear and Tear Exclusion
  • Roadside Assistance Benefits
  • Towing on all mechanical breakdowns
  • Immediate claims authorization
  • No out of pocket expense

 

Vist our First Fidelity Financial Group website to see our full suite of available products.

*Not FDIC insured    *May lose value  *Not financial institution guaranteed  
*Not a deposit *Not insured by any federal government agency