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Loan Center

Credit Life & Disability Insurance

For your protection, HTFFFCU offers Credit Life and Disability Insurance. Credit Life and Disability Insurance can help protect your family’s livelihood and your good credit from your loan debts in case of your disability or death.

Credit Life and Disability Insurance is a voluntary coverage that may reimburse you for all or part of your monthly loan payment up to the policy maximum if you or your covered joint borrower dies or if you should become totally disabled. Certain qualifications may apply.

For specific details or questions about a policy, please contact CUNA Mutual Group at (800) 621-6323.

Term Information

Credit Life:

When does your insurance terminate? Life and disability insurance may have different termination ages or maximum terms of insurance, which means one may terminate but the other continues. If joint coverage is in effect and insurance terminates for only one borrower, single coverage will continue for the eligible living borrower until that borrower’s insurance terminates as provided in this section. However, life insurance terminates for both borrowers after a life insurance benefit has been paid

Maximum Issue Age 70

Total Benefit Maximum $50,000.00

Maximum Eligible Loan Term (in months) 120

Maximum Term of Insurance (in months) 120

Credit Disability:

When do Your benefit payments stop? This insurance terminates because the maximum term of insurance has elapsed.

Maximum Issue Age 70

Maximum Monthly Disability Benefit $850.00

Total Benefit Maximum $50,000.00

Maximum Eligible Loan Term (in months) 120

Maximum Term of Insurance (in months) 120

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.

CDCL-999791.1-0814-0916

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