One of the most pressing challenges facing credit unions today is diversifying revenue streams due to increased regulatory scrutiny on traditional fee sources. Historically, credit unions have relied on NSF, overdraft, and related fees, which typically make up 25%-50% of non-interest fee income. For a credit union with $1B in assets, this income loss can be in the millions, depending on exposure. Offering loan protection and other insurance products throughout the life of the loan as an alternative to the so-called “junk fees” provides a new source of revenue and restores lost non-interest fee income. Additional key points: Innovative solutions like Constant's Income Builder and strategies to increase LPP portfolio penetration beyond the typical <30% sold at origination.