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How to Apply

Home > Excess Share Insurance > How to Apply

Applying for ESI’s excess share insurance is a straightforward process. Interested credit unions should first contact the company's marketing department to better understand the requirements necessary to qualify for coverage. 

An application must be completed, submitted and reviewed by our underwriting department before coverage can be effectuated.  Various eligibility standards must be met to secure excess coverage and to sustain insurability. For example, an applicant credit union must have an opinion audit to be considered for coverage. Further, various limitations exist that are set by regulation and policy with regard to the amount of coverage available to an individual credit union.

Please contact us to learn more.

An Advantage in the Marketplace
ESI's excess share insurance is offered only to credit unions. It gives you a competitive advantage over local banks or investments that lack any form of insurance (such as stocks and mutual funds).


Cost is Offset by Growth
Nearly all credit unions quickly attract enough additional shares to easily offset the cost of the program. In fact, most discover that excess share insurance contributes to the credit union's bottom line. 
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