Personal Insurance
Have peace-of-mind in being covered for the unexpected.
Spero Insurance Services makes it easy to find coverage that fits your life, your family, and your budget. For more information, click on the view insurance options button below.
Insurance shouldn't be complicated. Trust Spero to keep it simple.
We're excited to offer insurance coverage that's easy to understand and simple to use, so you can protect what matters most — your home, your car, your family, and the life you're building.
What Does This Mean for You?
- Clear pricing from 40+ trusted carriers — no gimmicks, no surprises
- Competitive savings because we shop for plans on your behalf
- Personalized support from Spero team members who already know your goals
Want to explore your coverage options?
What We Offer:
Auto Insurance
Auto insurance is essential to keep you and your vehicle covered on the road. It can protect against accidents, theft, and damage. Get peace of mind whether you're commuting, road-tripping, or running errands with auto insurance.
Renters Insurance
Renters insurance offers essential coverage for your belongings, liability, and living expenses in case of unexpected events like fire, theft, or water damage. Whether you're in an apartment, house, or condo, renters insurance ensures your possessions and finances are secure.
Home Insurance
Home insurance protects your property, belongings, and finances from unexpected events like fire, theft, or severe weather. Whether you're a first-time homeowner or have owned your home for years, home insurance ensures you're ready for life's uncertainties.
Pet Insurance
High-quality pet insurance can protect your four-legged family members and help you cover expensive medical bills if your pet becomes ill or injured.
Travel Insurance
Travel insurance protects you from unexpected trip disruptions. Whether it’s a delayed flight, trip cancellation, or medical emergency, you can make sure your adventure is covered.
And More
Safeguard the things that your family and loved ones depend on—without overpaying. From insurance to protection products, we’ll make every dollar count.
Meet Lily!
Our virtual insurance expert, who's here to make the process easy and answer any questions along the way. Whether you're online, on the phone, or writing an email, Lily can help you explore coverage options, answer questions, and guide you through the process.
More Offerings
Spero Financial has joined together with national insurance providers to offer a wide range of insurance coverage to our members.
Accidental Death and Dismemberment (AD&D) Insurance by Franklin-Madison
AD&D coverage provides you or your loved ones a cash benefit after an accident that results in a covered injury or loss of life.
- No medical exam required to get or keep coverage.
- You can’t be turned down for up to $300,000 in coverage. Your Certificate of Insurance will be issued after you enroll.
- Benefits are paid to you or your beneficiary regardless of any other insurance you have.
- The cash benefit is paid in one lump sum to spend on anything that is needed.
Member Benefit:
As a Spero Financial member, you are eligible for $1,000 of Accidental Death and Dismemberment Insurance at no cost. To receive this coverage, you will need to claim it.
Currently Enrolled Members can make payments, view policy information, and begin the claims process at FMService.com.
Hospital Accident Insurance by Franklin-Madison
A short hospital stay can strain a family’s budget when you have monthly bills to pay. Get coverage with a Hospital Accident Insurance plan. Spend your cash benefits any way you want: pay rent, credit card bills, auto loans, and more.
Currently Enrolled Members can make payments, view policy information, and begin the claims process at FMService.com.
Life Insurance by TruStage
Exclusively for credit union members, we offer TruStage™ Life Insurance Policies to help protect the people who matter most in your life. TruStage Life Insurance plans and policies offer affordable rates to fit your budget - underwritten by CMFG Life Insurance Company. To learn more, call 1.855.612.7909 or apply below.
TruStage™ Life Insurance Program is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. Discounts are not available in all states and discounts vary by state.
Last, but not least:
Insurance products are not insured or guaranteed by the NCUA or any Federal Government Agency. They are not deposits and are not guaranteed by Spero Financial or any Spero affiliate, and they can lose value. If Spero Financial requires insurance as a condition for a loan, you are not required to buy that insurance from Spero Insurance Services, LLC. You are free to choose any insurance company or agent you prefer, and your choice will not affect your loan approval. Insurance products through Spero Insurance Services, LLC are not available in every state. If you live in a state where we are not licensed, your coverage may be provided through our national partner, Banc Insurance Agency (California license #7274061).