Family in living room

Credit Disability Insurance


Protect the Ones You Love

Credit Disability* is a way to help protect your family. You never know when an unexpected total disability due to injury or a medical-related illness could occur. But, you can plan for the unexpected and help supplement your family’s income in the event of a disability.

Why it’s great

  • Affordable to buy and easy to enroll
  • Reduces financial burden in the event of a disability
  • Improves financial security
  • Protects members' level of income

What to know

  • Credit disability is designed specifically to help you meet your obligations to the credit union and makes your payment when you would need it most
  • If you’re out of work for 14 days or more and you can provide a doctor’s note, then your loan payment will be paid
  • Maximum age of borrower is 70 years
  • Maximum loan amount eligible is $75,000
  • Maximum term eligible is 120 months
Dad holding daughter in air playing

How to get yours

Tell your Personal Financial Officer that you’d like credit life insurance before loan closing to add this protection to your loan.



Parents and son in bed snuggling
Family laughing and jumping on bed
Daughter on Dad's shoulders

It’s a way to help cover you and your family. There’s no way anyone can prepare for a total disability due to injury or a medical-related illness, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen.MEMBER’S CHOICE's Credit Disability Insurance helps pay your loan when you and your family need it most.

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of a total disability, MEMBER’S CHOICE's Credit Disability Insurance can help. By taking a few simple steps while signing your loan paperwork, you’re helping take responsibility for your family’s financial future. Your loan officer can show you how. You won’t receive extra bills or statements; everything is included in your monthly payment. You can cancel within the first 30 days for a full refund. Or any time after that if you change your mind. If at any point you have questions, or if you need to file a claim, simply contact your credit union. Once you complete the loan documents, coverage begins for eligible borrowers.

You and your family won’t have to make loan payments –MEMBER’S CHOICE's Credit Disability Insurance will help pay your loan while you’re totally disabled.* Regular disability insurance only covers a fraction of your salary and that’s if you qualify. This helps close the gap. It’s a safety net for your family so they don’t have to use savings while you’re totally disabled or medically ill.

Find out more about Credit Life and Credit Disability Insurance by visiting a branch nearest you, or calling 800.238.3228.

*CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, 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 Group Policy for a full explanation of the terms.


The cost is based on your loan amount. When your payment is calculated, we calculate the insurance premium.

No, it is not required as part of loan approval.

Credit life can cover you up to 70 years of age.

Certain pre-existing conditions are not covered.  Ask your personal financial offer for more information.