Insurance

Whatever your insurance needs, Stand Bank Onlinecan help you:

• Property insurance, including homeowners’ insurance, rental insurance, and more

• Vehicle insurance, including auto insurance, motorcycle insurance, RV insurance, and more

• Personal umbrella insurance that goes above and beyond the limits of your existing auto, homeowners or watercraft insurance

• Commercial insurance, including apartment/condo building insurance, business insurance, workers comp, and more

• Individual disability insurance that replaces a portion of lost income if you are unable to work due to sickness or injury

• Pet insurance that helps you pay your veterinary bills

• Special events insurance, in case of the unexpected on your wedding or other special day

If you’d like your family to be better protected, we’d like to help. Together with our partner, LifeHelp⁰⁹⁵, we want to make it easy for you to shop for the life insurance you need.

It's easy and affordable to arrange coverage to:

• Pay for final expenses, such as funeral and medical bills

• Allow your family to continue living in their home or apartment

• Ensure your children can still receive the education you want for them

• Pay off outstanding credit cards, and personal or business loans

• Leave your family better able to face all of life’s many expenses

Applying online is also simple and quick, with no medical exam needed.

• Learn more and see costs for our Young Family Group Term Life Insurance (eligible ages to apply for coverage 18-50)

• Learn more and see costs for our 50-Plus Group Term Life Insurance (eligible ages to apply for coverage 50-74)

Questions? Call LifeHelp at (800) 345-4543

Credit Protection can help you avoid the risk of delinquency, default, repossession, or damage to your credit rating. This voluntary product can cancel your loan balance or payments up to the agreement maximum for a specified time.

Choose from 4 product packages:

• Plan A: This plan protects both borrowers for Disability and Involuntary Unemployment.

• Plan B: This plan protects both borrowers for Loss of Life, Terminal Condition, and Disability.

• Plan C: This plan protects both borrowers for Loss of Life and Terminal Condition.

• Plan D: This plan protects both borrowers for Disability, Involuntary Unemployment, Loss of Life and Terminal Condition.

​These plans are available when you are approved for an eligible Stand Bank Online loan. You can add them to an existing Stand Bank Onlineloan by visiting a branch or contacting us at (800) 632-4600, option 3.

You work hard to achieve a sense of independence, freedom and security; you also understand the value of planning ahead.  What would you do if you or your spouse became disabled and needed care for an extended period of time?  While no one ever expects to need care, the financial, physical, and emotional impact of a long-term care situation can be devastating.  With long-term care costs approaching $75,000 to $100,000 a year in the Bay Area, a long-term care crisis can deplete the retirement nest egg you've built.  Fortunately, there are measures you can take today to protect against this eventuality.  That is why we are introducing a new long-term care program for members of Stand Bank Online.

This coverage is specifically designed to relieve the many hardships caused when you or your loved ones can no longer care for themselves. Stand Bank Onlineoffers this coverage through our Investment Services department. Our experienced financial consultants will help you better understand your options and determine if this coverage is appropriate for you and your family. Call (650) 508-7222 or (800) 656-4096

Our robust Identity Theft Protection program⁰⁹⁶ provides the most comprehensive tools to help prevent identity theft. Some of the plan features include:

Features

• Complete and Unlimited Restoration transfers the recovery work directly to a Certified Identity Theft Specialist available 24/7 365 days a year. 

• ID Theft Insurance reimburses up to $1 million in stolen funds from your bank account and out of pocket costs.

• Monitoring Alerts provide instant notification when your personal information is detected and at risk of identity theft. Alerts are sent to your email, smart phone, computer, or tablet.

• Monthly Credit Score Tracking and Early Warning Identity Check

• Personal Information and Change of Address Monitoring

• Lost Wallet Protection

• Home Title Fraud Protection

• Senior Account Monitoring/Protection

• $1 Million Reimbursement Insurance

Mechanical Breakdown Insurance (MBI) provides protection against expensive repair bills. Your plan is determined by the year, make and model of your vehicle. All plans come with free roadside assistance benefits and a 60 day money back guarantee. 

Easy Street

Easy Street is available for vehicles 2006 and newer with under 85,000 miles and comparable to a factory warranty. Coverage terms range from 12 months/12,000 miles to 8 years/100,000 miles.

Main Street

Covers the cost of repair for the stated components of parts of engine, transmission, drive axle, seals and gaskets, air conditioning, front suspension, steering, brakes, cooling, fuel delivery, electrical, and battery. Coverage terms range from 12/12,000 to 48/48,000, and miles are added to current mileage.

First Street

Covers the cost of repairs for the stated components of parts of engine, transmission, drive axle assembly, seals and gaskets, and 50% on cooling and electrical. Coverage terms range from 24/24,000 to 36/36,000, and miles are added to current mileage.

These plans are available when you are approved for an eligible Stand Bank Online loan. You can add them to an existing vehicle or Stand Bank Onlineloan by visiting a branch or contacting us at (800) 632-4600, option 3

GAP offers protection from total loss or unrecovered theft. 

If your car is stolen or declared a total loss following an accident, your insurance will only cover the vehicle's value at the time of the accident. Guaranteed Auto Protection (GAP) helps to close that gap. This amount could be thousands of dollars. GAP offers protection from total loss or unrecovered theft. It pays all or a portion of the remaining balance due on your loan or lease beyond what your automobile insurance will pay. With GAP, you are covered for the entire term of your loan or lease. A separate cash payment is not necessary--simply add the cost of GAP (pennies per day) to your automobile loan/lease.

GAP is available when you are approved for an eligible Stand Bank Online loan. You can add it to an existing vehicle or Stand Bank Onlineloan by visiting a branch or contacting us at (800) 632-4600, option 3.

Depreciation Protection (DPW)²¹⁴ kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan. It waives some or all of your loan balance in the event of the total loss of your vehicle. The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. 

The waiver benefit will not exceed the maximum benefit selected or the outstanding loan balance, whichever is less.