Simple insurance plans with exclusive savings

Accessible coverage designed to help you put protection in place quickly, without a complex process.

SunWest is proud to invest in our members and their families by offering a variety of protection and life insurance options.

Through trusted partners, we provide coverage for everything from hospital stays to family protection — each plan designed to support you through both planned and unexpected moments.

Quick Coverage

SimplyTerm

Life Insurance
Protection for your family, at a price you can afford.

HAP

Hospital Accident Plan
Receive cash benefits if an accident lands you in the hospital.

Recup

Recuperative Care Plan
Receive cash benefits upon release from the hospital for covered accidents or illnesses.

AD&D

Accidental Death + Dismemberment
Cash benefits paid to your family in the event of accidental death or serious injury, including loss of sight, hearing, or limb.
SimplyTerm

Life Insurance

Get straightforward term life coverage (from $25,000 up to $1,000,000) designed to help protect your income and the people who rely on it, without jumping through the usual hoops.

What you get with SimplyTerm:

  • Guaranteed acceptance, no health exams required
  • Fast decisions, often within minutes of applyingFlexible terms, from 5 to 20 years
  • Benefits are paid directly to your beneficiaries
  • Terminal Illness Rider included at no extra cost. 

    -If diagnosed with a qualifying terminal illness, you may access a portion of your death benefit early
HAP

Hospital Accident Plan

Get daily benefits of up to $1,800 and paid directly to you with a Hospital Accident Plan* when a covered accident lands you in the hospital.

What you get with HAP

  • Guaranteed acceptance, no health exams required
  • $1,800/day for ICU Confinement (up to 365 days for covered injury)
  • $900/day for Hospital Confinement (up to 365 days for covered injury)
  • $450/day for Emergency Room treatment, once per accident (up to 365 days for covered injury)
  • Inflation Benefit Rider: Benefits increase 10% each year you stay continuously covered, for up to 5 years
  • Use the money however you need (medical bills, daily expenses, or time away from work)

Family Coverage

Spouse

Lasts until age 80

Terms of 10, 15 or 20 years

Coverage never decreases

Coverage lasts for a set period of time

Dependent Child(ren)

Price will increase as you age (every 5 years)

Helps cover costs like childcare or education

Monthly payments are lower than Whole Life insurance

Want to learn more first? Click above to explore your options, or call 1.877.517.0555 (toll-free) to speak with a representative.

How do I file a claim or cancel my policy?

Call 1.877.517.0555 (toll-free) on any weekday, 7:00 a.m. to 8:00 p.m. CST.

Who is eligible for HAP coverage?

You must be 18 or older and a member of SunWest. There is no termination age, however, Daily Hospital Confinement (Injury), ICU and ER benefits reduce to 50% of Original Benefit at age 65 or older, and to 25% of Original Benefit at age 75 or older.

How long does it take before I receive my Certificate/Policy of Insurance?

It takes about 30 days from the time the enrollment form is received to process and issue the Certificate/Policy of Insurance.

How will I be billed?

The premiums will automatically be debited from your account monthly. This transaction will be reflected on your statement.

*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Refinanced loan interest rate cannot be lower than 4.99% APR when refinancing up to 2.00% APR below your existing rate. The first payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. Offer is for vehicle refinance applications processed before July 6, 2026. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. $50 donation per funded loan will be made to Valley of the Sun United Way. SunWest reserves the right to modify or discontinue a portion or all of this promotion at any time.

See a representative for complete details, qualifications, and disclosures.

Recup

Recuperative Care Plan

When recovery takes time, this plan helps ease the financial strain on your budget. Cash benefits for covered accidents and illnesses are paid directly to you as a lump sum.

What you get with Recup

  • Guaranteed acceptance, no health exams required
  • No cost for first 60 days
  • Pays $200 daily Recuperative Sickness daily cash benefit for up to 365 days
  • Pays $400 daily Recuperative Accident daily cash benefit for up to 365 days

Family Coverage

Spouse

Spouse with Child(ren) – 50% Recuperative Accident and 50% Recuperative Sickness

Spouse without Child(ren) – 60% Recuperative Accident and 60% Recuperative Sickness

Dependent Child(ren)

Each dependent – 20% Recuperative Accident and 20% Recuperative Sickness

Call to talk through your options with a representative.

How do I file a claim or cancel my policy?

Call 1.877.629.6037 (toll-free) on any weekday, 8:00 a.m. to 9:00 p.m. EST

Who is eligible for RECUP coverage?

You must be 18 or older and a member of SunWest. Dependent children are covered up until 19 years of age, or up to 25 years if a full-time student. There is no termination age for you, however, Recuperative Accident and Recuperative Sickness benefits reduce 50% at age 65 and by an additional 25% at age 75, regardless of age at enrollment.

How long does it take to process my claim?

Once the Plan Administrator receives the appropriate information and documentation, claims are processed within 5 days and then forwarded to the underwriter for benefit determination.

How will I be billed?

The premiums will automatically be debited from your account monthly. This transaction will be reflected on your statement.

*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Refinanced loan interest rate cannot be lower than 4.99% APR when refinancing up to 2.00% APR below your existing rate. The first payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. Offer is for vehicle refinance applications processed before July 6, 2026. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. $50 donation per funded loan will be made to Valley of the Sun United Way. SunWest reserves the right to modify or discontinue a portion or all of this promotion at any time.

See a representative for complete details, qualifications, and disclosures.

AD&D

Accidental Death + Dismemberment

As a SunWest member, you can receive up to $1,000 in accidental death and dismemberment (AD&D) coverage at no cost to you.** The cash benefits are paid directly to your beneficiary in the event of a covered accident.

What you get with AD&D

  • Guaranteed acceptance, no health exams required
  • Anti-Inflation Benefit: Additional Coverage grows with time. For every 2 continuous years, it increases by 5% (max. 125%) of your original coverage amount
  • Common Carrier Accidental Death: if the primary insured dies from a covered accident while traveling as a fare-paying passenger on public transportation, this benefit pays 2x your supplemental coverage  
  • Education Benefit: if the primary insured dies from a covered accident, this benefit helps cover education costs for each dependent child who is enrolled full-time in a college or university at the time of death
  • Accidental Hospital Indemnity: if hospitalized for more than 7 consecutive days due to a covered injury, this benefit pays 1% of Additional Coverage per month, up to $2,500/month, for up to 12 months. Not available in New York or Washington
  • Dependent Child Care: helps cover child care costs for eligible dependent children (up to age 13). Pays the lowest of:
    • 2% of Additional Coverage
    • $2,000
    • Actual child care expenses (up to a $50,000 lifetime maximum per child)

Want to learn more first? Click above to explore your options, or call 1.877.309.6576 (toll-free) to speak with a representative.

Does SunWest provide free insurance to members?

Once you complete and return the enrollment form, you receive an AD&D benefit of $1,000 at no cost to you as a benefit of SunWest membership. You can activate your AD&D benefit HERE.

How do I file a claim or cancel my policy?

Call 1.877.309.6576 (toll-free) on any weekday, 8:00 a.m. to 9:00 p.m., EST or click HERE.

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Re: cancellation
You have a no-risk, 30-day guarantee, so if you choose not to keep your insurance, just call the number above to cancel.

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Who is eligible for AD&D coverage?

You must be 18 or older and a member of SunWest. Dependent children are covered up until 19 years of age, or up to 25 years if enrolled in an accredited institution of higher learning. There is no termination age for you, however, coverage reduces by 50% at age 70 or older.

Does this cover on-the-job accidents?

Yes. You're covered 24 hours a day, worldwide.

How long does it take to process my claim?

Once the Plan Administrator receives the appropriate information and documentation, claims are processed within 5 days and then forwarded to the underwriter for benefit determination.

How will I be billed?

The premiums will automatically be debited from your account quarterly. This transaction will be reflected on your statement.

*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Refinanced loan interest rate cannot be lower than 4.99% APR when refinancing up to 2.00% APR below your existing rate. The first payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. Offer is for vehicle refinance applications processed before July 6, 2026. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. $50 donation per funded loan will be made to Valley of the Sun United Way. SunWest reserves the right to modify or discontinue a portion or all of this promotion at any time.

See a representative for complete details, qualifications, and disclosures.

Looking for more coverage options?

Explore additional protection policies provided by SunWest below!

Auto Coverage

For the unexpected bumps in the road.

TruStage™ Insurance

Trusted coverage for all life throws your way.

Debt Protection

When life gives you lemons.

The Fine Print

* Benefits reduce due to age, beginning at age 65. The Hospital Accident Plan benefits described are underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196,1-800-987-3373 (NAIC #16535). This insurance provides limited benefits and is intended to help supplement Comprehensive Coverage. See the site for terms and conditions, including exclusions and limitations. This insurance does not provide Major Medical or Comprehensive Medical Coverage and is not designed to replace Major Medical insurance. Coverage may not be available in all states or certain terms, conditions, and exclusions may be different where required by law.

** Accidental death and dismemberment insurance is underwritten by Minnesota Life Insurance Company and is available for members 18 or older. Additional coverage can be purchased at group rates to include up to $250,000'. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment.