Insurance can protect you and your family when you need it most. Heartland offers various types to supplement most situations.

Guaranteed Asset Protection (GAP)

The moment you drive your vehicle off the lot, it depreciates on average about 20%. If your vehicle is stolen or damaged and deemed a total loss, you are responsible to pay the difference between what you owe and what your insurance company says your vehicle is worth. Consider adding Guaranteed Auto Protection (GAP) to protect against financial liability and potentially save you thousands of dollars. Just ask for it when you apply for your loan.

Debt Protection

Accidents or illnesses that result in long-term disability or death and the eventual loss of a job or income can be devastating to a family's financial situation. Traditional health or life insurance policies don't cover expenditures like credit card payments or car loans that you use to keep a home and family running. Debt cancellation can protect you and your family in those situations.

For a few cents a day added to your credit loan payments, you can have peace of mind that in the event of a catastrophic incident, your loan obligations will be satisfied and your family and credit rating protected.Contact us to add Debt Cancellation to your loan today or ask for it when you close your next loan.

Extended Warranty

It never fails. The day AFTER your warranty expires, your car needs a major repair. Don't worry. Sign up for our Extended Warranty Insurance and rest easy. This extended service contract will help you to protect your new investment by providing extensive coverage for most breakdowns for usually less than a dollar a day. When you're looking at a two thousand dollar transmission repair, a dollar a day is very inexpensive. You can even purchase it for used cars.

Home, Auto, Business, Life & Health Insurance

Financial products and tools come in all shapes and sizes. Insurance is one of them. At Heartland FCU, we've partnered with Robert K. Jones Insurance Agency to provide you with the personal service and reputable products you deserve. Robert K. Jones Insurance Agency is an independent agency located in Kettering, Ohio. They represent multiple companies, and their objective is to find the right coverage at the best price.

Product Lines Include

  • Home
  • Auto
  • Renters
  • Jewelry
  • Boat
  • Umbrella
  • Business
  • Life
  • Health

Term Life Insurance is Cheap

If you purchased your life insurance policy over three years ago and your health status has not changed, you should reevaluate your policy. You could be saving more money than before!

Robert K. Jones has access to more than 15 different life insurance carriers. They can shop the market, and find the life insurance company that best fits your individual needs. Purchasing life insurance can be easy and inexpensive.

Health Insurance Options Available

If you do not have access to an employer sponsored health insurance plan, there are still options available for you. Are you:
  • Recently unemployed? Individual health insurance can be 1/3 the cost of COBRA.
  • Self-employed?
  • A recent college graduate, or no longer eligible for parents' coverage?
  • An independent contractor?

Multiple plans are available with different coverage options including co-pays. This is NOT a limited benefit plan, but real insurance that has a maximum benefit in the millions, not thousands. Robert K. Jones Insurance represents over five different health insurance carriers. They can find the plan that meets your needs medically and financially.

Doing Business "Person to Person"

Dan Bitler is available any time to meet with members to discuss their insurance needs. He has been in the business for over 9 years, received his undergraduate degree from Wright State University, and his masters from the University of Dayton. Dan prides himself on understanding your specific situation, and tailoring coverage to meet your needs.

There are many credits available when you package your coverage together, and there are unique discounts exclusive to Heartland Federal Credit Union members. Time and time again Robert K. Jones Insurance Agency has found they are able to offer more coverage at the same or less price than the 800 numbers.

For a personal review, contact Dan Bitler at 937.294.2600 or, or stop by the Heartland FCU Dixie Branch on Friday afternoons to meet with Mr. Bitler in person.

The products offered through Robert. K. Jones Insurance Agency are not Federally insured, are not obligations of Heartland Federal Credit Union, and are not guaranteed by Heartland Federal Credit Union.


Our LifePerks Loyalty Program is just one way we are rewarding members for active use of our credit union products and services. Click to learn more.

Heartland Online

Are you having trouble logging into Heartland Online? Click here for a PDF about a recent security update with instructions to solve this issue