

Credit Disability Insurance
Protect the Ones You Love
Why it’s great
- Easy to enroll
- Reduces financial burden in the event of a protected disabling event.
- Improves financial security
What to know
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Credit Disability Insurance is designed to help you meet your financial obligations to the credit union and may make a payment when a protected sickness or accidental injury occurs.
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If you're out of work for 14 days or more and suffer a protected unexpected injury or illness, your loan payments may be made, up to policy maximums
- Maximum age of borrower is 70 years
- Maximum term eligible is 120 months

How to get yours
Tell your Personal Financial Officer that you’d like Credit Disability Insurance before loan closing to add this protection to your loan.
THREE STEPS TO GREATER SECURITY
Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), 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. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992. CDCL-3711784.1-0821-0923
FAQs
What does it cost?
Your insurance charge is determined by applying the appropriate insurance rate to your outstanding loan balance, up to the policy maximums, depending on the coverage you elected.
Do I have to have it?
No, it is not required as part of loan approval.
What is the maximum age to be eligible?
You are eligible to enroll in coverage up to 70 years of age. Insurance will automatically terminate on the last day of the month during which you reach the termination age of 70.
Am I eligible if have a pre-existing condition?
Certain pre-existing conditions are not covered. Ask your personal financial officer for more information.