Protecting Your Financial Future
Planning for your future is about making the best choices for you and your family—whether it’s improving your standard of living or protecting your financial future.

Requesting credit disability insurance on your credit union loans can help your family keep their standard of living if your income is reduced or eliminated due to a disabling injury or illness.

Protection that Pays
When you choose to protect your loans with MEMBER’S CHOICE™ credit disability insurance, you’re planning for your family’s financial future.

If you’re disabled due to injury or sickness, your monthly loan payments will be paid until you’re no longer disabled, your loan is paid, or you reach the policy maximum.*

This helps conserve your family’s savings and allows them to use other insurance funds to meet day-to-day living expenses, preserving the standard of living you worked so hard to achieve.

Benefits of Credit Disability Insurance:
  • Simple and quick enrollment
  • Immediate coverage
  • Easy payment
  • Financial security
  • Peace of mind
  • Complements existing insurance
  • Maintains family’s living standard

*Covered loan payments are subject to the terms and conditions of the policy.

Calculate Your Credit Disability Insurance Need

To find out if your family would have the financial resources to pay your monthly new loan payment if your income is reduced or lost due to your disabling injury or illness, complete the worksheet below.

 Monthly Income if Disabled
  Employer disability coverage(if provided) $
  Individually owned disability coverage $
  Partner's income (net) $
  Other income $
 Total Monthly Income if Disabled $
 Monthly Expenses
  Mortgage(s)/rent payment $
  Car payment/transportation expenses $
  Credit card payment $
  Other loan payments $
  NEW LOAN PAYMENT $
  Utilities $
  Food $
  Child care $
  Retirement savings contribution $
  Educational savings contribution $
  Other expenses $
 Total Monthly Expenses $
 Monthly Income (Less Expenses) $

If your income is insufficient, you may consider MEMBER'S CHOICE credit disability insurance on your new loan.

Check with your loan officer for more details on MEMBER’S CHOICE credit disability insurance, including exclusions, limitations, and benefit maximums.

MEMBER'S CHOICE credit disability insurance is underwritten by CUNA Mutual Insurance Society.