Life Events

Article Written By: Lauren Hoeffel If you’ve ever asked, “Should I use a credit union or a bank?”—you’re not alone. It’s one of the most common financial questions people have, and for good reason. Where you keep your money affects everything from your fees to your loan rates to your overall financial experience. So, let’s…

Article Written By: Lauren Hoeffel Credit unions usually focus financial wellness discussions on budgeting, saving, debt reduction, and credit scores. All important topics—no question. But there’s a critical piece that often gets overlooked: Insurance. And that’s a problem. If financial wellness means stability, resilience, and long-term security, insurance is foundational, not optional. At some point,…

Article Written By: Lauren Hoeffel If you work at a credit union, you’ve probably heard some version of this from members: • “I’m doing everything right… Why do I still feel behind?” • “Should I pay off debt first or start investing?” • “Is buying a home even realistic anymore?” • “What should I do…

Article Written By: Lauren Hoeffel What’s in this article? What is Disability Insurance? Why Do People Need Disability Insurance? How Does Disability Insurance Work? What’s Considered a Disability? How Much Does Disability Insurance Cost? Do You Already Have Coverage? Common Myths About Disability Insurance How to Choose the Right Disability Insurance Policy Is Disability Insurance…

Article Written By: Lauren Hoeffel Over the past decade, “digital first” has become a defining strategy across the financial services landscape. Credit unions have invested heavily in mobile banking platforms, AI-powered chat tools, online lending portals, and automated member communications. And for good reasons: today’s members expect fast, intuitive, and secure digital experiences. But somewhere…

Article Written By: Lauren Hoeffel Term life insurance is often described as the simplest and most affordable type of life insurance. And in many cases, that’s true. It offers straightforward coverage for a specific period of time—typically 10, 20, or 30 years—and pays a death benefit if you pass away during that term. But here’s…

Article Written By: Lauren Hoeffel Spring cleaning isn’t just for closets and garages. It’s also the perfect time to clean up the financial stuff you don’t look at often… but really should. And at the top of that list? Your insurance. Because here’s the truth: most people buy life insurance, set it, and forget it.…

Article Written By: Lauren Hoeffel If you’ve ever searched “How does life insurance work?” or “Do I really need life insurance?” you’re in very good company. At The Family Security Plan, we talk to hardworking families every day—parents, caregivers, nurses, teachers, union members, and people balancing real responsibilities. And one thing is always true: most…