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Extra Protection Services

Credit Life & Disability and GAP Insurance are extra protection services that can be added to your loan payment for easy coverage. These extra protection services have changed lives before. Ask a Guardian Loan Expert about these extra protection services.

Credit Life & Disability

As a credit union member, you and your family can have the valuable financial protection you need when you take out a loan. You can protect your financial future by signing up for voluntary credit life or credit disability insurance. Benefits are paid to the credit union to pay off or reduce your loan. If the benefits are more than the balance of your loan, the difference will be paid to you if you are living or to the beneficiary named by you, if any, or to your estate.

With Credit Disability Insurance, should you become totally and continuously disabled by a covered sickness or accident which persists beyond the policy waiting period, your loan payments are protected. Payments will be made, up to the policy maximum, during your period of disability. Disability benefits are payable for the duration stated in the credit union’s contract.

It’s reassuring to know that not only you and your family can be financially protected, but also your credit rating, your collateral and your income can be protected with credit disability coverage.

By adding Credit Life & Disability Insurance to your loan, you may qualify for additional discounts on your loan rate. Ask a Guardian Loan Expert about how to apply Credit Life & Disability to your personal loan for protection.

GAP Insurance (Guaranteed Asset Protection)

Coverage for your Auto Loan

Did you know that if your vehicle is stolen or totaled in a major accident, your loss could add up to more than its value? The value of any vehicle declines rapidly during the first several years of ownership. Most insurance policies cover only the value of your vehicle at the time of loss, which means the payoff you receive from the insurance company could be less than the amount you owe on your loan.

Protect the value of your vehicle with our GAP (Guaranteed Asset Protection) Program. GAP Insurance covers the “gap” between the vehicle’s value and the amount you owe on your loan. Our GAP Insurance product can give you peace of mind by protecting you and your investment from substantial loss.

Talk to one of our Guardian Loan Experts about how to apply Credit Life and Disability to your personal loan for protection.