Credit Life and Disability Insurance

Insurance Coverage for Your Loans

At STAR Community Credit Union, we  want to make sure you and your family are protected in the event of a life tragedy.

To help ensure that a life tragedy does not also become a financial tragedy for you and your family, we offer two types of payment protection:

  • Credit Life Insurance may reduce or pay off your eligible loan balance should you pass away before paying off your loan.
  • Credit Disability Insurance may make your monthly loan payment should you become totally disabled. Payments continue until you return to work, the loan is repaid, or you reach the policy maximum.

If you have no disability or life insurance coverage or your current disability and life insurance coverage is inadequate, Credit Life and Disability Insurance may be valuable. They can also be a valuable addition to other insurance coverage—so consider whether your current insurance coverage will be enough to protect your loan payments in the event of an accident or tragedy. Credit Life and Disability Insurance may be very important supplements to your current financial protection plan.

  • The Exact Amount of Coverage at the Right Price
  • Every eligible member pays the same group rate
  • You only buy enough coverage to cover your loan balance
  • Premiums end once the loan is paid off
  • Fast, Easy Approval For Eligible Members—You just tell us you want it, and you’ve got it! Just a simple enrollment form with a few eligibility questions (if applicable) and your signature to elect this optional coverage. Coverage is available right at the credit union, and if elected, coverage begins the moment your loan is funded.


  • Benefits
  • Simple enrollment
  • No medical screening
  • Immediate coverage
  • Premium included in your payment
  • 30-day trial period: Premiums are refunded if coverage is cancelled within 30 days
  • Why It Makes Sense
  • Designed to reduce or pay off your covered loan balance in the event of death
  • Designed to make your payment for you in the event of your total disability
  • Helps protect the lifestyle and dreams of you and your loved ones
  • Offers the convenience of including coverage with your loan
  • Provides coverage at group rates
  • Requires no physical exams

Your purchase of MEMBER'S CHOICEŽ 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.


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