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With Debt Protection, an unexpected, real-life event won’t leave you scrambling to pay your monthly bills.
LGE Community Credit Union’s Debt Protection can help relieve financial pressure in the event of death, disability, or involuntary unemployment. With LGE’s Debt Protection, your loan balance or your monthly loan payments will be cancelled without penalty or added interest.
We’ve designed our Debt Protection program to fit the times we live in today. More than ever, we all worry about things that might happen tomorrow. Debt Protection provides an important sense of financial security – knowing your loan will not become a burden to you in times of hardship.
You benefit from the peace of mind knowing you and your credit rating are protected.
Please consult with one of our representatives to discuss LGE’s Debt Protection program in more detail.
To add Debt Protection to a current or new loan, call 770-424-0060 or visit a branch.
Debt Protection is available for closed-end consumer loans, consumer lines of credit, and credit cards. There are eligibility requirements, conditions, and exclusions that apply to this program. Please stop by a branch for additional details about the Debt Protection program.
Give your family time to get back on their feet financially. The remaining loan balance (up to $75,000) is cancelled upon the death of the covered borrower.
Help avoid bills piling up as you try to regain your health and earning capacity. Use this benefit as a supplement to any disability coverage you may have at work (which usually only covers 60 percent of pay). The monthly payment (up to $1,000 per month) is cancelled for up to 12 payments with a maximum cancellation of $15,000 over the term of the loan.
Ensure that one of your major monthly expenses will be taken care of as you search for new employment. After a 90-day waiting period, the monthly payment (up to $1,000) is cancelled for up to six payments with a maximum cancellation of $15,000 over the term of the loan.
You may cancel Debt Protection at any time. If you do so within the first 30 days, we will refund any fees already paid.
Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.
We will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection.
There are eligibility requirements, conditions, and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.
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