Loan Protection

Life Plus

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask your loan officer about eligibility, conditions, or exclusions.

Loss of Life Protection

Loan Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.

In the event of....

Death

Disability

Involuntary Unemployment

What happens...

Protected borrower passes away

A covered disability occurs due to injury or illness

A covered job loss occurs

It cancels this... up to the contract maximums

Your payments or loan balance

Your loan payments

You may be eligible if you...

Have an eligible loan

Are a permanent employee who is actively working*

Are a permanent employee who is actively working* Are honorably discharged.

*Refer to the member agreement for a full explanation of terms and conditions.

Disability

If you become disabled due to a protected illness or injury, Loan Protection cancels your monthly loan payments, up to the agreement maximum.

Loan Protection

In the event of....

Death

Disability

Involuntary Unemployment

What happens...

Protected borrower passes away

A covered disability occurs due to injury or illness

A covered job loss occurs

It cancels this... up to the contract maximums

Your payments or loan balance

Your loan payments

You may be eligible if you...

Have an eligible loan

Are a permanent employee who is actively working*

Are a permanent employee who is actively working* Are honorably discharged.

*Refer to the member agreement for a full explanation of terms and conditions.

Involuntary Unemployment

If you become involuntarily unemployed, Loan Protection cancels your monthly loan payments, up to the agreement maximum.

Loan Protection

In the event of....

Death

Disability

Involuntary Unemployment

What happens...

Protected borrower passes away

A covered disability occurs due to injury or illness

A covered job loss occurs

It cancels this... up to the contract maximums

Your payments or loan balance

Your loan payments

You may be eligible if you...

Have an eligible loan

Are a permanent employee who is actively working*

Are a permanent employee who is actively working* Are honorably discharged.

*Refer to the member agreement for a full explanation of terms and conditions.

Protection for Consumer Loans

Loss of Life

Disability

Involuntary Unemployment

Type of Cancellation

Balance Cancellation

Payment Cancellation

Maximum Benefits

Up to $75,000 The maximum benefit will reduce at age 70

the earliest of 6 months or $3000 per occurrence

Waiting Periods*

N/A

14 Day Non-Retro for a Protected Event

Specified Period Limitation**

6-Month Pre-Existing Condition Limit

6 month benefit exclusion from date of loan or advance

* With Retro plans, after satisfying the waiting period, benefits begin from the first day of loss. With Non-Retro plans, benefits begin after the waiting period has been satisfied. Refer to the Contract for complete details.

** Under the Contract terms, there are specific limitations for events that occur within a specified period immediately following the Effective Date of Protection for a loan or advance. Refer to the Contract for complete details.

Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply.

*Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

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Loan Protection

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Mechanical Repair Coverage

Guaranteed Asset Protection

Auto Loans

Credit Cards

Life Plus

Loss of Life Protection

Loan Protection

Disability

Loan Protection

Involuntary Unemployment

Loan Protection

Protection for Consumer Loans

Protection for Consumer Loans

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