‍Credit Disability Insurance may help make eligible loan payments if you become disabled due to a covered illness or injury and are unable to work, subject to the policy's terms and waiting periods.

How do Credit Life and Credit Disability Insurance work?

If a covered event occurs while your policy is in force, benefits are paid according to the terms of the insurance policy.

With Credit Life Insurance, the benefit is generally applied toward the remaining eligible loan balance.

With Credit Disability Insurance, eligible monthly loan payments may be made during a covered period of disability, up to the limits specified in the policy.

Coverage, eligibility requirements, exclusions, benefit limits, and waiting periods vary by policy. Please review your policy documents for complete details.

Are Credit Life and Credit Disability Insurance the same as other insurance?

No. Credit Life and Credit Disability Insurance differ from other types of insurance, such as auto insurance.

Auto insurance helps protect you financially if your vehicle is involved in an accident, is damaged, or causes injury or property damage.

Credit Life and Credit Disability Insurance are optional coverages that help protect your loan by paying the remaining balance or making loan payments if you pass away or become disabled, subject to the terms and conditions of the policy.

Are Credit Life and Credit Disability Insurance required to get a loan?

No. Credit Life and Credit Disability Insurance are optional and are not required to obtain a loan. The decision to get this coverage is entirely up to you!

Do Credit Life and Credit Disability Insurance affect my loan approval?

No. Choosing whether or not to purchase Credit Life and Credit Disability Insurance does not affect your loan approval. Your loan application is evaluated based on factors such as creditworthiness and lending criteria, not on whether you elect optional insurance coverage.

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