Get Financial Support When the Unexpected Happens

Payment Guard Advantage Insurance pays a lump-sum cash benefit if you experience a covered job loss or disability due to injury or illness, allowing you to focus on recovery, not bills.

Get Covered

No Medical Exam

Coverage in 30-days

Cancel free within 30-days

Simple Monthly Biling

What is Payment Guard Advantage Insurance?

Offered in partnership with TruStage®, Payment Guard Advantage Insurance is a protection plan that provides a financial safety net when the unexpected happens.

When a covered event occurs, you'll receive a lump-sum cash benefit to help you cover your expenses. No restrictions on how you use it.

Help build financial resilience against unexpected events
Avoid missed payments
Reduce financial stress with a simple safety net
Focus on recovery, not repayment

What is Payment Guard Advantage Insurance?

Offered in partnership with TruStage®, Payment Guard Advantage Insurance is a protection plan that provides a financial safety net when the unexpected happens.

When a covered event occurs, you'll receive a lump-sum cash benefit to help you cover your expenses. No restrictions on how you use it.

Help build financial resilience against unexpected events
Avoid missed payments
Reduce financial stress with a simple safety net
Focus on recovery, not repayment

How it Works

Getting covered is simple, and so is making a claim.

Pick Your Coverage

Choose the benefit amount that works for your budget. You're in control of both your coverage amount and your monthly premium.

A Covered Event Occurs

An involuntary job loss or a disability from an accident or illness.

File Your Claim Online & Receive Your Benefit

Submit your claim 24/7 at paymentguard.TruStage.com. Once approved, the lump-sum cash benefit you chose is paid directly to you with no restrictions on how you use it.

What you Get

Lump-sum Cash Benefit

When a covered event occurs, you receive a single cash payment to use when you need it. No waiting for the next monthly installment or complicated reimbursement process.

Simple Monthly Billing

You choose your coverage amount and pay one flat monthly rate. No surprise adjustments. No complicated fee structures.

Money You Can Use Your Way

Cover loan payments, rent, groceries, or medical bills. This benefit is yours to use as you see fit. No receipts required.

Not sure? Cancel and receive a full refund within the first 30 days. No questions asked.

What you Get

Lump-sum Cash Benefit

When a covered event occurs, you receive a single cash payment to use when you need it. No waiting for the next monthly installment or complicated reimbursement process.

Simple Monthly Billing

You choose your coverage amount and pay one flat monthly rate. No surprise adjustments. No complicated fee structures.

Money You Can Use Your Way

Cover loan payments, rent, groceries, or medical bills. This benefit is yours to use as you see fit. No receipts required.

Not sure? Cancel and receive a full refund within the first 30 days. No questions asked.

What’s a Covered Event

Coverage is focused on events outside your control.

Covered

Involuntary Job Loss

Laid off unexpectedly? You may receive a cash benefit paid directly to you.
Disability from an Accident or Illness

Disabled for 30+ days due to a covered event.

Not Covered

Voluntary resignation or termination for cause
Seasonal layoffs or job losses known prior to purchase
Self-employed or contract workers
Normal pregnancy, elective surgery or surgeries with elective timing that were known, pre-existing conditions during the first 6 months
Jobs referred through a union hiring hall

This is just a summary. Refer to the policy for complete terms and conditions that will control.
Currently available in AL, AZ, AR, CT, DE, DC, GA, HI, IN, IA, KS, MI, MS, MO, NE, NV, NM, NC, OH, OK, OR, SD, UT, WV, WI.

Don’t Wait Until You Need It

Get TruStage® Payment Guard Advantage Insurance now.

Get Covered

Section Introduction

Frequently Asked Questions

Everything you need to know before you enroll in Payment Guard Advantage Insurance.

When does coverage start?

Coverage begins 30 days after your policy start date. This applies to both the job loss and disability benefits. During the first 30 days, you may cancel for a full refund if you decide it's not right for you.

How do I file a claim?

Claims can be filed online 24/7 at paymentguard.trustage.com. You'll be asked to provide supporting documentation, such as employer layoff records or a doctor's statement. Once approved, the benefit is sent directly to you.

Can I use the benefit for anything I want?

Yes. Unlike some payment protection products, Payment Guard Advantage places no restrictions on how you use your benefit. Pay your loan, cover rent, handle medical bills - it's your money to use as you see it.

Is a medical exam required to enroll?

No. There's no medical exam required to enroll in Payment Guard Advantage. You can get covered quickly without any health screening.

Who handles my policy after I enroll?

Once you enroll through Polly, your policy is managed entirely by TruStage®. You'll go to paymentguard.trustage.com to manage your coverage, file claims, track claim status, and reach their support team. Beneit payments also come directly from TruStage®.

TruStage® Payment Guard Advantage Insurance is brought to you by Polly Insurance Agency, LLC, 2300 St. George Road, Williston, Vermont, 05495. Polly is licensed in all states except Alaska. TruStage® is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. TruStage® Payment Guard Advantage Insurance is underwritten by CUMIS Insurance Society, Inc. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Benefits are not payable during the waiting period. During the first 6 months of coverage, disability benefits are not payable on losses resulting from a pre-existing condition. A job loss is not covered if it occurs when you are employed as a contract worker or at a job referred to you through a union hiring hall or you are self-employed. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.

PGA-8918159.1-0526-0628