If you live in Michigan and are a member of Lake Michigan Credit Union (LMCU), you likely know they offer a range of financial services. But you may not realize LMCU also provides access to insurance through their Lake Michigan Insurance Agency (LMIA).
In this comprehensive guide, we’ll cover everything you need to know about Lake Michigan Credit Union insurance, including:
- Overview of Lake Michigan Insurance Agency
- Types of insurance policies offered
- How to file an insurance claim
- Customer service options
- Advantages of getting insurance through LMCU
- Requirements and eligibility details
About Lake Michigan Insurance Agency
First, let’s look at some background on the Lake Michigan Insurance Agency:
- Wholly owned subsidiary of Lake Michigan Credit Union
- Headquarters in Grand Rapids, MI
- Founded in 2021 through acquisition of Lucent Insurance Group
- Provides insurance to LMCU members
- Products include auto, home, life, business, and health insurance
Lake Michigan Insurance Agency has offices across Michigan and handles sales, service and claims for LMCU insurance customers. Their staff has 20+ years average experience in the insurance industry.
Insurance Products Offered by Lake Michigan Credit Union
Through LMIA, LMCU members can access an array of insurance solutions:
Auto Insurance
- Coverage for all vehicle types
- Standard and high-risk policies
- Add-ons like roadside assistance
Home Insurance
- Homeowners & renters policies
- Condo coverage
- Flood and umbrella insurance
Life Insurance
- Term life
- Whole life
- Universal life
- Final expense
Business Insurance
- General liability
- Commercial property
- Professional liability
- Workers’ compensation
Health Insurance
- Major medical plans
- Medicare supplements
- Dental & vision
- Short-term medical
This diverse selection allows LMCU members to consolidate insurance alongside their other financial products.
How to File an Insurance Claim with LMCU
If you need to file a claim on a Lake Michigan Credit Union insurance policy, you can use any of these methods:
- Call LMIA claims at 616-234-6979
- Email claims inquiries to [email protected]
- Visit an LMIA office in person
- Report claims via the LMIA website
- Contact your LMIA insurance agent
Provide details like the date of loss, location, damage/injury details, and any photos or documents related to the claim. Communicating promptly helps expedite the claims process.
Lake Michigan Credit Union Insurance Customer Service
LMCU members have access to stellar customer service for their insurance policies:
- Call LMIA at 616-234-6979 for any questions
- Email LMIA at [email protected]
- Schedule an appointment at one of their local offices
- LMIA agents provide personalized service
- Access online account portal on LMIA website
- LMCU branches can assist with referrals to LMIA
Their focus is providing top-notch service alongside competitive insurance rates.
Benefits of Getting Insurance Through Lake Michigan Credit Union
Why choose LMCU insurance over other options? Key advantages include:
Bundles Discounts
Get discounted rates when you bundle multiple policies together.
Credit Union Perks
Receive benefits like waived fees and policy discounts for LMCU members.
Local Agents
Work with licensed agents located throughout Michigan.
Non-Commissioned
LMIA agents provide unbiased advice instead of working on commission.
Trusted Provider
Have confidence in insurance from an established, reputable credit union.
One-Stop Shop
Consolidate insurance alongside LMCU banking and loans.
For Michigan residents, LMCU insurance brings unique value.
LMCU Insurance Eligibility and Requirements
To get insurance from Lake Michigan Credit Union, there are a few membership requirements:
- Must live or own a business in Michigan
- Need to become an LMCU member (if not already)
- Must meet standard underwriting guidelines from partner insurers
- Premiums are payroll deducted from an LMCU account
Check if you qualify for LMCU membership if you don’t already belong to the credit union. This provides access to LMIA insurance policies.
Is LMCU Insurance a Good Choice?
LMCU insurance makes an excellent option for:
- Existing LMCU members
- Anyone eligible to join the credit union
- Michigan residents who want local service
- People seeking group rates and discounts
- Those who desire consolidating finances
- Anyone needing multiple insurance policies
With competitive premiums and credit union benefits, Lake Michigan Credit Union insurance is worth considering.
The Bottom Line
Through their Lake Michigan Insurance Agency, Lake Michigan Credit Union provides members access to an assortment of insurance products. Take advantage of discounts, local agents, and credit union perks by getting LMCU insurance.
File claims easily by phone, email, or through their website. And leverage their exceptional customer service team for any insurance needs. For Michigan residents, LMCU insurance is a financially-savvy choice.
Lake Michigan Credit Union (LMCU)-Hidden Gem
FAQ
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