Credit Life and Disability Insurance
Protecting your financial future. Choosing to take out loans to buy a new car, finance a special vacation, or renovate your home are ways to improve your standard of living. And, planning your family's financial future by protecting your loans with credit insurance can help your family keep its standard of living if your income is reduced or eliminated due to disabling injury or illness or your unexpected death.

Protection that pays. Your unexpected disability or death can affect your household's income level and change your family's standard of living in an instant, making household financial commitments difficult to meet.  Coping with your disability or death can be emotionally and physically stressful for your family.  Struggling to make loan payments on a reduced or lost income is another heavy burden your family shouldn't have to bear. When you choose to protect your loans with MEMBER'S CHOICE Credit Life and Credit Disability Insurance, you're planning for your family's financial future.*

With payment protection like MEMBER'S CHOICE Credit Life Insurance, if you pass away and your claim is payable, your eligible loan balance is reduced or paid off. With MEMBER'S CHOICE Credit Disability Insurance, if you're disabled due to injury or sickness, your loan payments will be paid until you're no longer disabled, your loan is paid, or you reach the policy maximum.*

MEMBER'S CHOICE Credit Life and Credit Disability Insurance help conserve your family's savings and allows them to use other insurance funds to meet day-to-day living expenses, preserving the standard of living you worked so hard to achieve.

Simple and quick enrollment. MEMBER'S CHOICE Credit Life and Credit Disability Insurance are available on many consumer loans. Simply ask your loan officer at the time you open your loan to confirm eligibility. If you're eligibile, select the desired credit insurance on the enrollment documents and sign your name. Once the loan is closed, you're enrolled. For easy payments, your premium will be included in your loan payments.

Ask a member service representative for more details on these types of insurances.

*Be sure to read the Credit Insurance Application and Certificate of Insurance which will explain the exact terms, conditions and exclusions of the policy. Eligibility requirements including age maximums, working requirements and health questions may apply. Also, benefits may be subject to a waiting period.  The policy may include maximum coverage or benefit amounts and/or durations. Exclusions for pre-existing conditions, normal pregnancy, intentional injury, air travel and/or atomic explosions may apply.