Texas Plains Federal offers several protection products that can be purchased separately or included in your loan.

  • Credit Disability
  • Credit Life Insurance
  • Guaranteed Asset Protection (GAP) - Receive a rate discount for adding this protection
  • Mechanical Breakdown Protection (VSC) - Receive a rate discount for adding this protection

Credit Disability and Credit Life Insurance

What are Credit Disability and Credit Life Insurance? It's a way to help protect your loan. There's no way to predict an injury, illness or an unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected were to happen. Credit Disability and Credit Life Insurance can help you make your loan payment and make your life a little easier for you and your loved ones.*

How does it work? The premium may be included with your payment. If you have a balance on your loan and are totally disabled due to a covered injury or illness or in the event of your unexpected death, Credit Disability and Credit Life Insurance may help cover your loan payments.*

By Taking a few simple steps while signing your loan paperwork, you're helping take responsibility for your family's financial future.

You can cancel coverage at any time if you change your mind. If coverage is canceled within the first 30 days you will receive a full refund if the premium has been paid. Coverage is immediate for eligible borrowers.

Why is it valuable? Credit Disability and Credit Life Insurance work in two different ways. You and your family may not have to make loan payments if you're totally disabled due to a covered injury or illness. It may help you pay your loan until you're no longer totally disabled, or in the event of your unexpected death, it may help pay off the loan.* Savings, salary or payoffs from other insurance may be used for other important things, giving your family financial freedom when they need it most.

Credit Disability Insurance
Plan Type:   30 Day/Non-Retro
Maximum Monthly Benefit: $750.00
Total Benefit Maximum:   $50,000
Maximum Issue Age: 66 Years
Termination Age:   66 Years
Credit Life Insurance
Total Benefit Maximum:   $50,000
Maximum Issue Age: 70 Years
Termination Age:   70 Years
*Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate

Guaranteed Asset Protection (GAP)

Don't be left paying for an asset you no longer own. Protect it with GAP. Guaranteed Asset Protection program, better known as GAP, helps cover the remaining balance on your loan of you experience a total loss before it is paid off.

Most insurance policies only cover the actual cash value of your asset. As a result, there can be a substantial "GAP" between your loan and the amount your insurance company pays to replace your vehicle.

GAP settles the difference between your primary insurance settlement and your remaining loan balance at the time of loss. GAP may also cover your primary insurance deductible.*

Loan Blance at Time of Loss   $23,000
Value of Vehicle at Time of Loss $19,000
Less Insurance Deductible   -500
Primary Insurance Settlement $18,000
Difference Owed   $4,500
Your potential out of Pocket Expenses  WITH GAP   $0

*Subject to the terms, contitions, limitations and exclusions set forth in the GAP Waiver Agreement

**This is an example for illustrative purposes only. Your actual GAP benefit will vary based on your specific circumstances.

Mechanical Breakdown Protection (VSC)


Your vehicle is not only an investment; it's your transportation lifeline. With ASG's protection plan, you have peace of mind knowing your investment is protected.


With a full complement of affordable coverage options, ASG's Protection is the ideal solution to protect your investment and reduce out-of-pocket expenses should a mechanical breakdown occur.

The vast majority of costly mechanical and electronic failures occur AFTER the factory warranty has expired. Avoid expensive repairs by protecting your vehicle with aMechancial Breakdown Protection contract.


With four levels of coverage, ASG's protection offers affordable options to ensure your vehicle is protected against costly mechanical and electronic repairs.

  • Platinum Protection*
  • Gold Protection*
  • Silver Protection*
  • Copper Protection*
  Platinum Gold Silver Copper
Hardware x x    
Audio Center x x    
Fuel x x x  
Suspension x x x  
Steering x x x  
Air Conditioning x x x x
Electrical x x x x
Brakes x x x x
Drive Axle x x x x
Transmission/Transfer Case x x x x
Engine x x x x


Roadside Assisance

All of the plans provide reimbursement for Roadside Assistance. The emergency services include:

  • Lock-out Assistance
  • Fuel Delivery Services
  • Flat Tire Assistance
  • Battery Service

Rental Vehicle Assitance

In the event of covered mechanical breakdown, you will be eliglible for alternate transportation expenses according to the schedule in your contract.

Tire Road Hazard

ASG's protection plans provide coverage for the repair, or if necessary, the replacement of your vehicle's tires if damaged due to a road hazard.

Trip Interruption

In case of a mechanical breakdown that occurs more than 100 miles away from your home and resultes in a repair facility keeping your vehicle overnight, you are eligible to be reimbursed for meals and lodging for up to three days.


  • Repairs can be performed at any licensed repair facility in the US or Canada
  • All claims are handled directly by the insurer with direct payments to the repair facility
  • You may transfer your coverage if you sell your veicle before your contract expires

CLAIMS: 844-307-1001

*See brochure for details

**This information highlights the benefits of ASG's protection plans. Please refer to the acual service contract for coverages, exclusions, terms and conditions.