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The Family Security Plan® Terms of Service

These terms and conditions create a contract (“Agreement”) between you and Schmitt-Sussman Enterprises, Inc. dba The Family Security Plan® (“The Family Security Plan®”). Please read the Agreement carefully. If you do not agree to this Agreement, do not use this web site (“Site”).
  1. This Site is owned and operated by The Family Security Plan®. The Site and its contents may only be accessed for personal use. No material from the Site may be used for any commercial or resale purposes.  
  2. All trademarks, service marks, and trade names (collectively, the “Marks”) are proprietary to The Family Security Plan® or other respective owners which have granted The Family Security Plan® the right and license to use such Marks. Any use of content or descriptions, any derivative use of this Site or its contents, and any use of data mining, robots, or similar data gathering and extraction tools is strictly prohibited.
  3. The Site may contain links to other sites on the Internet which are owned and operated by third party vendors and other third parties (the “External Sites”). You acknowledge that The Family Security Plan® is not responsible for the availability of, or the content located on or through, any External Sites. You should review the External Sites privacy policy and other terms and contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.
  4. The Site contains areas in which additional terms and conditions apply. For purposes of the use of such areas, in the event of a conflict between the terms and conditions of such other areas and this Agreement, the terms and conditions of the other area shall prevail. The Family Security Plan® may at any time revise this Agreement by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current Agreement to which you are bound.
  5. The Family Security Plan® may terminate your access to the Site for any reason.  
  6. THE FAMILY SECURITY PLAN® MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THE INFORMATION ON THIS SITE. THE FAMILY SECURITY PLAN® ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR REPRESENTATIONS IN THE CONTENT OF THIS SITE.
  7. THE MATERIALS ON THIS SITE ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. THE FAMILY SECURITY PLAN® SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR ANY CONTENT ON THE SITE. TO THE FULLEST EXTENT POSSIBLE PURSUANT TO THE APPLICABLE LAW, THE FAMILY SECURITY PLAN DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS. THE SITE MAY BE SUBJECT TO LIMITATIONS, DELAYS, AND OTHER PROBLEMS INHERENT IN THE USE OF THE INTERNET AND ELECTRONIC THE FAMILY SECURITY PLAN® IS NOT RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, OR OTHER DAMAGE RESULTING FROM SUCH PROBLEMS, INCLUDING INTERNET CONGESTION, VIRUS ATTACKS, AND DENIAL OF SERVICE (DOS) ATTACKS.
  8. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL THE FAMILY SECURITY PLAN® OR ITS THIRD
    PARTY LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR PROFIT, ARISING OUT OF THE USE, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE, EVEN IF THE FAMILY SECURITY PLAN® OR A THE FAMILY SECURITY PLAN® AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING THE FOREGOING, IN NO EVENT SHALL THE FAMILY SECURITY PLAN® BE LIABLE ON ANY THEORY OF LIABILITY, WHETHER IN AN EQUITABLE, LEGAL, OR COMMON LAW ACTION ARISING HEREUNDER FOR CONTRACT, STRICT LIABILITY, INDEMNITY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE. IF YOUR USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.      
  9. This Agreement and your use of the Site shall be governed by the laws of the State of Delaware, excluding its conflicts of law provisions. The exclusive venue for any action arising under or relating to this Agreement shall be brought in New Haven County, CT and you hereby consent to the jurisdiction of such courts.
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Product Assessment
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What best describes your current life situation?
How old are you?
Are you currently employed?
What is your biggest financial concern if something unexpected happened?
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Which of these apply to your current situation?
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How long do you need coverage?
Would you like to cover anyone else in your family?
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How would you describe your lifestyle?
What matters most to you in an insurance plan?
What weekly budget are you comfortable with for insurance?
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A Family Security Plan® specialist may also reach out to answer any questions.

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    Coverage Quiz
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    What’s your age range?
    Do you support children, a spouse, or other family members?
    Have you had a big life change lately?
    What best describes your job situation?
    Do you or your spouse work in a high-risk job?
    (for example a firefighter, police officer, construction worker, etc.)
    How long could your household stay afloat if your income stopped?
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    Do you have emergency savings set aside?
    Do you have life or supplemental insurance through work or elsewhere?
    Will your insurance coverage continue if you leave your job or retire?
    Have you reviewed your insurance in the past year?
    Do you have any major debts?
    If something happened to you, could your family maintain their lifestyle?
    Are you concerned about losing income if you couldn’t work?
    What types of insurance are you open to learning more about?
    Select all that apply
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    What’s your monthly budget for coverage?
    Your Insurance Coverage Score is Ready!
    Enter your details below to view your complete results.

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      Credit Union Health Score
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      Credit Union Health
      We innovate from within, embracing needed change with speed and implementing new ideas as part of a formal strategic plan.
      Are your ideas truly inspired from within your team? Does implementation happen, or do great ideas stall between inspiration and execution?
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      Completely disagree
      Completely agree
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      Credit Union Health
      Our third-party relationships are genuine strategic partnerships that advance our long-range and short-term strategies.
      Do your partners bring measurable value beyond their product or service, or do they simply fill a line item in the budget?
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      10
      Completely disagree
      Completely agree
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      Credit Union Health
      Our leadership team holds itself and our teams accountable to clear, measurable goals, and everyone knows the numbers.
      Does the team know what is expected? Do they solve their own problems, or rely on the CEO to come up with solutions? Does everyone know and can recite the credit union's overall goals?
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      Completely agree
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      Channels Of Access
      We proactively reach out to our membership through outbound calling, email campaigns, and community outreach rather than waiting for members to come to us.
      Industry data shows only 30% of loan origination comes from proactive channels. Where does your credit union stand? Insurance is 95% proactive: how proactive are you?
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      Completely disagree
      Completely agree
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      Channels Of Access
      Our Business Development Team systematically visits employer groups and intentionally builds lasting relationships with key contacts throughout.
      Is your BD team held accountable to visits and results? Are contacts tracked continuously, not just when a position turns over?
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      Completely disagree
      Completely agree
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      Channels Of Access
      Our online and mobile banking, social media, and email marketing actively generate interest in products and services, pointing members toward educational content and referrals.
      Do you have your own content or do you pull from outside? Is it personalized and segmented by member life cycle, or are you still sending blanket messages to your entire membership?
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      Completely disagree
      Completely agree
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      Channels Of Access
      Our branches and contact center are optimized to educate members and generate meaningful cross-selling results, not just service transactions.
      How is cross-selling measured? Is it consistent across the team, or dependent on a few top performers? Does everyone know the numbers, and are those numbers celebrated?
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      Member Engagement
      We have a systematic outbound engagement program that builds trust before the call, uses member data to personalize each conversation, and produces measurable results.
      Is it truly systematic, or occasional and one-off? Do you warm up the call with personalized emails first? A program that runs occasionally produces occasional results.
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      Completely disagree
      Completely agree
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      Member Engagement
      Our member engagement conversations consistently lead to action - members participating in appropriate products and services - and we track and celebrate those results.
      What is the desired call to action on each engagement, and is it consistently measured? Are the actual results meeting the purpose of the program?
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      Completely disagree
      Completely agree
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      Member Engagement
      We measure the critical metrics of our engagement program - loan conversions, cross-sell results, retention rates - and use that data to make real decisions.
      Can you show the results of your engagement program right now in a report, not an estimate? A program without data is a program running on belief.
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      10
      Completely disagree
      Completely agree
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      One last step.
      Your Credit Union Health Report is ready. Enter your information below and a Family Security Plan specialist will be in touch to walk through your results.

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