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Credit Life and 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 and Disability insurance to your loan, you may qualify for additional discounts on your loan rate.

GAP Insurance 

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 covers the “gap” between the vehicle’s value and the amount you owe on your loan. Our GAP product can give you peace of mind by protecting you and your investment from substantial loss.

Both Credit Life and Disability and GAP Insurance can be added to your loan payment for easy coverage. Talk to a loan officer about how adding Insurance protection has changed the life of other members in the past.


Free $1,000 provided by the Credit Union

Guardian values you as a member. We are providing $1,000 Accidental Death and Dismemberment coverage at no cost to you. All you need to do is sign up. Additional coverage is also available. Visit our partner site to get your free coverage today.