Insurance Services | Kauai Community Federal Credit Union | Kapa'a, HI - Lihue, HI - Waimea, HI

Insurance Services

Community Financial Services Group, LLC (CFSG) is a credit union service organization wholly owned by Kauai Community Federal Credit Union (KCFCU). CFSG is a separate entity from KCFCU, whose mission is to provide a wide array of products and services to KCFCU members at affordable prices. These are some of the products and services offered:

Accidental Death & Dismemberment

Kauai Community FCU wants to help protect your family and as an account holder, age 18 or older, you are automatically:

  • Eligible for $1,000.00* Accidental Death and Dismemberment (AD&D) Insurance Coverage paid for you by Kauai Community FCU
  • Pre-Authorized for Additional Coverage up to $300,000.00*
  • Guaranteed Acceptance
  • No Medical Exams or Health Questions

Please click to enroll

    *All coverage amounts reduce by 50% when the primary insured reaches age 70. The family plan protects spouse and all eligible children at a percentage of your selected coverage amount.Insurance is underwritten by Transamerica Premier Life Insurance Company , Cedar Rapids, IA. AT #1553277.

      For more information or to enroll for the complimentary $1,000 insurance coverage, enrollment forms are available at all KCFCU branch offices.

      Auto & Home

      In addition to the group discount, members can qualify for further discounts and extra insurance benefits with multi-policy (insuring both auto and home) credits and a special endorsement program that includes a free deluxe travel plan.

      Auto Insurance

      • KCFCU Group Discount
      • Continuous Coverage Discount
      • Loss Free Discounts
      • Multiple Policy Discount
      • Passive Restraints Discount
      • Preferred Repair Shop Discount
      • Renewal Discount
      • Security Plus Deluxe Travel Coverage

      Homeowners Insurance

      • KCFCU Group Discount
      • Multiple Policy Discount
      • Newer Home Discount
      • Non-Smokers Credit
      • Protection Device Credit
      • Senior Citizen Discount

      Additional insurance programs include coverage for Renters, Condominiums, Motorcycles, Watercraft and Personal Umbrella.Don't wait until your current policy expires; call for your free, discounted, no obligation quote today! Contact Darnell Aquino, Atlas Insurance agent, at KCFCU's Kukui Grove West Office at (808) 246-1235. She will review your existing policy(s) to ensure that you and your family are adequately covered at the best possible rates. You can also bring your policy to any KCFCU branch office, or simply Request your FREE quote today.


      Cancer is the second leading cause of death in the United States. Advances in pharmaceuticals, surgical procedures, and alternative treatments have improved the odds for those diagnosed, but improved treatments come with increased costs as well. Aflac's Maximum Difference Cancer Indemnity Policy can help with out-of-pocket expenses of treatments by paying cash benefits to its policyholders, providing a level of freedom that many major medical insurance companies simply could not. Visit this page for more information about the benefits, costs and limitations of Aflac's cancer insurance policy. No password is needed.

      Hospital Accident Protection

      Hospital Accident Protection insurance helps protect you against the costs of covered accidental injuries, with a daily benefit to pay toward substantial out-of-pocket medical expenses you can face even with medical coverage. This plan gives you a source of emergency cash you can rely on to help keep a sudden injury from causing you financial harm. You may get this money in addition to any other insurance benefits you may receive. All KCFCU members 18 and older residing in the U.S. are eligible for 60 days coverage without cost. For more information or to obtain an enrollment form, please contact us.

      ID Theft & LegalShield

      Members and their families now have access to high quality legal services at a fraction of the usual cost. Legal situations and questions pop up without notice. Any one of them could become a serious problem. When facing a legal problem, no other legal services available today gives you more legal rights protection than a LegalShield plan. Identity theft is a devastating crime that can cost hundreds or even thousands of dollars and take years to resolve. The Identity Theft Shield plan can help lessen your exposure.

      For more information on LegalShield and Identity Theft Shield, visit our website or stop by any KCFCU branch office.

      Whole Life

      TruStage™ Life Insurance Plans

      Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage.

      Watch the video Whole Life or Term Life Insurance?

      Learn about this important coverage or call 1-855-612-7909 for more information.

      TruStage™ is the marketing brand for Life insurance issued by CMFG Life insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.


      Term Life


      TruStage® Term Life Insurance

      As a member of our credit union, you may qualify for up to $250,000 of TruStage Term Life Insurance at rates designed to be affordable and any amount of coverage can make a difference.

      This policy from CMFG Life Insurance Company can help provide a financial safety net for your loved ones when they need it most. Watch the video Whole Life or Term Life Insurance?

      TruStage® Term Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.


      Vehicle Extended Warranty

      Route 66 Extended Warranty is an excellent investment to ensure that you are covered in the event a mechanical breakdown does occur. A Route 66 Extended Warranty not only protects your investment from expensive mechanical breakdowns, but it also comes with:

      • No deductible
      • 24/7 roadside service
      • Rental car benefits
      • 30-day money back guarantee
      • Nationwide coverage
      • Coverage fully transferable

      It is the most comprehensive coverage out there and provides protection for virtually any make or model. Even if it is still under a manufacturer's warranty, Route 66 Extended Warranty has a plan that will fit your vehicle. And best of all, the cost of the coverage can also be added to a new or used auto loan at KCFCU.

      For a limited time only, take advantage of KCFCU's special financing for vehicle extended warranty service contracts at 1.66% APR* for up to 24 months.

      Contact us or stop by any KCFCU office for more information and to qualify your vehicle. Get a FREE, no-obligation quote using your Vehicle Identification Number (VIN) or entering your vehicle information. Complete the easy 5-step process so you can have peace of mind.

      *APR = Annual Percentage Rate. Stated rate is for a 24-month term. Rates are based on credit rating. Loans are subject to credit approval. Other rates and terms are also available.

      Pet Insurance

      Since your pet is a member of your family, you will want the financial freedom to do everything medically possible to take care of your pet. Through Community Financial Services Group, LLC (a subsidiary of KCFCU) and Nationwide, members will receive a 5% group discount that makes a Pet Insurance policy even more affordable! And if you enroll more than one pet, you can receive an even bigger discount!

      Pet Insurance policies cover medical problems and conditions related to accidents or illnesses (even cancer) for dogs, cats, birds, ferrets, rabbits, reptiles and other exotic pets. You can visit any licensed veterinarian anywhere, even when you're away from home. Coverage helps pay for:

      • Exams & lab tests
      • Surgeries
      • Prescriptions
      • X-rays
      • And much more!

      Pet Wellness Plans are also available that gives you cash back for regular exams and preventive treatments that are necessary to keep your pets healthy. Routine care benefits and coverage helps pay for:

      • Physical exams
      • Vaccinations
      • Flea/Heartworm prevention
      • Blood test
      • And more!

      Watch the video on pet insurance. At the end, click on Learn More to find out about plans & coverage, customer reviews, and compare rates. To get a quote, type in Community Financial Services Group in the Search For Your Company box or call the toll-free number 1-877-738-7874.