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CREDIT LIFE AND DISABILITY INSURANCEThis insurance pays off the loan balance in the event of death to the insured or makes the monthly payment if the insured becomes disabled. Credit life insurance is a decreasing term life insurance that pays off a loan if the subscriber dies. It comes in two kinds: single credit life available for the primary borrower only, or: joint credit life available for the primary borrower and co-applicant. Credit disability insurance makes the loan payment or payments (up to a pre-determined maximum) while the borrower is disabled due to health or accident. Credit disability is currently available for borrower only. Credit life and disability insurances are appropriate for anyone who wants to make sure their families aren't saddled with extra financial burdens is they die or become disabled. It's a valuable safety net.
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