Insurance Options
Protection for life’s unexpected moments.
Explore insurance options available to Topside Federal Credit Union members, including complimentary Accidental Death & Dismemberment coverage through Franklin Madison and additional coverage options through trusted partners.
More from your membership.
Your membership comes with more than great banking. We work with trusted insurance providers to give Topside members access to quality coverage, member savings, and more options for protecting what matters.
Member Savings
Access special discounts and savings opportunities available through participating insurance providers.
Trusted Options
Explore coverage from established providers, with options that help you compare and find what works for you.
More Ways to Protect What Matters
From your car and home to your family and finances, your membership connects you with coverage for more of life's what-ifs.
Complimentary Member Benefit (OPTIONAL)
$1,000 Complimentary AD&D Coverage
Topside members may be eligible for $1,000 in complimentary Accidental Death & Dismemberment coverage through Franklin Madison. It’s an added layer of protection available at no cost to eligible members.
Supplemental protection options
Coverage options designed to provide added financial support when covered accidents, hospital stays, sickness, or recovery periods happen.
Franklin Madison
Hospital Accident Protection1
Helps provide financial support after a covered hospital stay due to an accident.
- Accident-related hospital protection
- You can't be turned down due to age or health
- Spend your cash benefits any way you want (rent, credit card bills, loans, food, etc...)
Franklin Madison
AD&D Coverage
May provide a benefit after a covered accidental injury or loss of life.
- Includes complimentary $1,000 coverage for eligible members
- Additional coverage may be available
- Designed for accident-related protection
Franklin Madison
Recuperative Accident & Sickness
Paid directly to you for a covered accident or sickness — even a pre-existing condition:
- Up to $200.00 a day per hospitalization due to sickness (up to $1,400.00 a week)
- Up to $400.00 a day per hospitalization due to any covered accident (up to $2,800.00 a week)
Guaranteed Acceptance. No Health Exams or Questions. You will be notified by mail when this members-only coverage is available to you.
Traditional insurance options
Members can also explore auto, home, and life insurance options available through TruStage.
TruStage
Auto Insurance4
Coverage options to help protect you, your vehicle, and your budget from unexpected moments on the road.
- Compare coverage options
- Explore quotes online
- Find protection that fits your needs
TruStage
Home Insurance5
Coverage designed to help protect your home, belongings, and personal property from covered events.
- Options for homeowners
- May include personal property protection
- Coverage options vary by policy
TruStage
Life Insurance6
Coverage that can help provide financial support for the people who matter most.
- Term and Whole life options available
- Designed to help protect loved ones
Travelers
Auto Insurance
Coverage to help protect you, your vehicle, and your budget, with special savings available to Topside members.
- Member discount available
- Additional savings opportunities may apply
- Coverage options for cars and more
Travelers
Home Insurance
Coverage designed to help protect your home and belongings, with special savings available to Topside members.
- Member discount available
- Options for homeowners, condo, and renters
- Additional savings for eligible policyholders
Understanding your coverage options
Some coverage is designed for long-term protection, while other options help with specific covered accidents, hospital stays, or recovery needs.
What is AD&D?
AD&D stands for Accidental Death & Dismemberment. It may provide a benefit after a covered accidental injury or loss of life.
What is supplemental coverage?
Supplemental coverage is designed to help with specific situations, like covered accidents, hospital stays, sickness, or recovery periods.
What is traditional insurance?
Traditional insurance includes coverage like auto, home, and life insurance to help protect your vehicle, property, or loved ones.
1 Franklin Madison Hospital Accident Insurance: This is an accident only policy and does not pay benefits for loss from sickness. Benefits reduce due to age, beginning at age 65. Please see Summary of Benefits for details. Insurance product offered by Franklin Madison Group LLC. For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Insurance is underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196, 1-800-987-3373 (NAIC # 16535). This insurance provides limited benefits. It is not Major Medical or Comprehensive Health Coverage.
4 TruStage Auto Insurance: Auto Insurance Program issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage
5 TruStage Home Insurance: Home Insurance Program issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage
6 TruStage Life Insurance: Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, and MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage
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