Products & Services
Traditional Overview
CPI (Tracked and Blanket Programs)
GAP
Warranty
CL/CD
Debt Cancellation
AD&D
Collections
Bond/ D&O Coverage
Innovative Overview
CU Relevancy (Strategic Management & Planning)
Digital Imaging (Laserfiche Systems)
GEM Checking
Mexico Tourist Insurance
English/Spanish Translations
Traditional Products
Collateral Protection Insurance
CPI (Tracked (Traditional/Hybrid) and Blanket Programs) - Historically one of the most difficult but necessary protections for a credit union’s collateral portfolio, we have a great solution to the high pricing on traditional CPI policies. Contact HIA for detailed information on collateral protection policies that will afford great protection but will get back to the basics of this invaluable coverage.
Warranty (Auto Protection Plans)
Warranty - Sometimes called vehicle service contracts or mechanical breakdown protection – whatever you want to call it – it brings valuable services to your members. It provides coverage you can use anywhere, with Roadside Assistance and Maintenance included. Our training (without cost to the credit union) will prepare your staff to explain the advantages of protecting their valuable purchase. Our affordable pricing along with the high usage rate of this product will prove its worth over and over!
Guaranteed Asset Protection (GAP)
GAP - Valuable coverage that will reduce or do away with the deficiency balance on a covered loss involving your collateral. With so many loans being made where the value of the collateral quickly becomes less than the loan balance, GAP is a valuable and necessary coverage to offer that even covers your member’s deductible. Now available in Texas is GAP Plus, where an added benefit to our program is $1,000 paid toward the purchase of replacement collateral when there is a covered loss! What a great way to keep the loan at your credit union!
Credit Life/Credit Disability or Debt Cancellation
CL/CD - Valuable protection for you and your members with one low rate for all. Covers loan payments while an insured member is off work as a result of a covered disability. Credit Life insurance can cover both primary and co-borrower who is a spouse or business partner. Informational and sales training is available to your credit union at no cost. HIA's invaluable experience in this area will make this a highly valued product that not only provides protection but also generates income!
Debt Cancellation - Improve your services to members and your bottom line! Flexible offerings and ability to structure your own program make Debt Cancellation (also labeled as Debt Protection) a great switch from traditional credit insurance. HIA can help you maneuver through the transition to include death, disability, involuntary unemployment, and even Family Medical Leave benefits should you choose!
Bond/D&O & P&C Coverage
Bond/ D&O Coverage - Let HIA provide you with an alternative proposal for your required and all important Bond! We represent carriers that understand financial institutions and that specialize in tailoring Financial Institution Bond coverage to meet your institution’s specific needs. Financial Institution Insurance products are so intricate, a expert with knowledge of your industry is crucial – and we work with the experts! You may be pleasantly surprised at the difference!
P&C - An annual review of your building, fixtures, equipment, etc. is highly recommended! When was the last time you checked to see if you were adequately covered and compared alternative programs on your property and casualty insurance? We would love to provide you with a comprehensive alternative proposal; contact us to get started!
Innovative Products
CU Relevancy (Strategic Management Strategies)
ABOUT US
As small asset credit unions constantly face the challenge to match market competitor’s financial offerings and grow market share, it has become more important for Credit Union leadership teams to find affordable resources that can help strategize how to meet this challenge today and remain member relevant. At CU Relevancy, we seek to impact small asset credit union leadership teams positively by collaboratively working to develop a path to positive financial sustainability that in turn can produce relevant products and services that members seek from their preferred financial institution.
OUR WHY
As the credit union movement continues to experience credit union mergers and liquidations, we at CU Relevancy belief that an affordable resource that small asset credit unions can engage can provide credit union leadership teams with an experienced partner to collaborate on strategic planning, product and services development, and credit union operations.
OUR MISSION
To provide an experience resource that will enable small asset credit unions to achieve yearly goals, operational efficiencies and strategic objectives through hands on guidance, collaboration, and mentorship. We believe in a building block approach to building and branding our collaborations with focus on the legacy of your credit union for future generations to experience.
Digital Imaging Laserfiche Systems
Laserfiche Chief Executive Officer - This document management system is a world leader in archiving, disaster recovery and document retrieval. Laserfiche’s user friendly system will make the task of document storage and retrieval simple and invaluable. Used by nations, institutions of higher learning, financial institutions, municipalities and many other entities, it is a system that is proprietary and robust. Modules can be added as your needs increase.
GEM Checking
GEM Checking - HIA/Calger core product since 1987 has been GEM Checking – a value added checking account with benefits provided by HIA and the credit union for the benefit of your members. From Accidental Death and Dismemberment to free checks – this is an income producing product that you and your members will love!
Mexico Tourist Insurance &/English/Spanish Translations
Mexico Tourist Insurance - Are your members traveling to Mexico? Are they taking your collateral? HIA/Calger will provide insurance for coverage while in Mexico – from 1 day to 1 year. With one simple phone call we will get the necessary information and place the coverage with one of several highly respected Mexican insurers. You can use this element to explain to visitors what you do or inform them about other subjects. For instance, what is your passion and why or what does your company offer, i.e. products and services. You can hide this element in the menu on the right.
English/Spanish Translations - Now more than ever communication with your members is extremely important. Marketing and informational needs are acute – and HIA/Calger can help! Let us translate your documents, newsletters and promotional items – and even interpret by phone when you have no bi-lingual staff available!