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Protecting your VyStar loan
Loan Protection Insurance - Credit Life and Disability

At VyStar we offer easy ways to help protect you and your family's financial future. One of these can be to insure your VyStar loans with Credit Life and Disability coverage - up to $50,000 per loan amount.  And for your convenience, we'll add the amount to the loan's principal outstanding balance each month. This is beneficial because the insurance premiums decline as the loan's balance declines.

Let a VyStar Representative help you decide which type of coverage is best for your needs. You can request credit life and credit disability insurance individually or decide to have both.

Credit Life Insurance is designed to pay off an insured member's loan balance up to the coverage maximum in the event of their death.

• Help protect your family from the financial burden in the event of your death.
• For loans with two borrowers, both can be covered if they both qualify.
• Your insurance premium is added to the loan's principal outstanding balance each month. Your payment will stay the same.
• Simple and convenient enrollment.

Credit Disability Insurance provides for the continued payment of an insured member's loan in case of total disability of a temporary nature because of an accident or illness.

• Helps make monthly loan payments if the borrower becomes totally disabled under a covered event, Loan payments are covered in the event of total disability, protecting your credit rating.
• May protect multiple loans, each up to a separate maximum amount rather than an aggregate limit.
• Immediate coverage with one modest rate to members who qualify.
• For loans with two borrowers, only the borrower designated in writing will be covered but either borrower may qualify.
• Simple and convenient enrollment.

Your purchase of credit life and credit disability insurance, underwritten by CUNA Mutual Insurance Society, 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 VyStar loan representative, or refer to the Policy Agreement for a full explanation of terms.

CDCL-0611-A608

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