How to keep the wolf away from your door.

When you borrow ... protect yourself, and your family, with credit disability insurance through your credit union.

Think for a minute.. what might happen if you were disabled, through sickness or accident! Not a very pleasant prospect, but statistics tell us that one out of every three people between ages 35 and 60 will probably suffer a prolonged disability.*

That's why we're now offering you the opportunity to protect yourself, and your family, with credit disability insurance. Here's how it works.

The Plan

This insurance makes payments to the Credit Union to reduce or pay off your loan if you are totally disabled by sickness or accident. Coverage is available for both conventional and open-end loans.

Benefits

If you suffer total continous disability from sickness or accident which continues beyond the policy waiting period, we'll make your loan payments for you, up to $600 per month.

Cost

The premium for this coverage is low. In fact, when you compare the cost of this insurance with the benefits offered, we think you'll find it's a real bargain. Exact rates will be quoted when you take out your loan, and the premium will simply be added to your loan payment.

Eligibility

You can qualify for this insurance if ...

• You are actively at work and regularly performing all the usual duties of a full time gainful occupation.
• You have not reached the maximum eligible age on the date of your loan (ask your credit union for details).
• Your total loans insured under this plan are not greater than $40,000.
• Your loan term is not longer than 60 months.
• Only one member is insured for any one loan.

Exclusions

The usual exclusions apply; benefits are not payable for disabilities: (1) commencing prior to the effective date of this insurance, (2) commencing on or within six months of the date of this insurance if caused by a pre-existing condition, (3) resulting from pregnancy or childbirth, (4) resulting from an act of war.

Termination

Your protection under this plan terminates on the scheduled maturity date of the loan, the date the loan is repaid or refinanced, or the date the loan is transferred to another creditor.

Sign up for Credit Disability Insurance when you sign for your loan.
(If you have an unprotected loan out now, see your credit union for details on adding Credit Disability protection for this loan.) More exact details of this insurance coverage are contained in a certificate which is available for your review at the credit union office. Eligibility and exclusion provisions may vary somewhat, depending on the state in which you live. In all cases however, any variance would be toward less restrictive provisions.

Each member participating in this Disability Insurance
program recives a certificate of insurance which will be controlling in all cases and which should be put with his insurance protfolio.

*According to statistics from the Research Council For Economic Security