Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances.
HOCU Debt Protection could cancel your loan balance or loan payments up to the contract maximums so your family can worry a little bit less about tomorrow. Call HOCU at 777-5626 and ask about protection your loan payments today.
Debt protection can help cancel your monthly loan payments should an unforeseen protected life event occur.
Adding debt protection to your loan is easy and can be done at the time of your loan application. The cost of protection is included in your monthly payment.
Missing payments can hurt your credit rating. Debt Protection could cancel your payments when unexpected life events happen.
No medical exam required.
Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.
Credit card balances may be protected with Life Plus with Disability and Involuntary Unemployment. Speak to a loan representative today for more information.
Disability protection can be added to Life Plus to provide up to 12 months or $12,000 (whichever comes first) of payment protection should you experience disability due to injury or illness.
Involuntary unemployment protection can be added to Life Plus & Disability to protect payments for up to 6 months or $6,000 (whichever comes first).
LifePlus $0.149 per $100
LifePlus + Disability $0.299 per $100
LifePlus + Disability + Unemployment $0.399 per $100
For a loan of $1,000, the cost of Life Plus debt protection for the first month will be $1.49.
There is no age limitation, but your Life Plus benefit will be reduced to 25% of the protected balance once you reach 70.
Your purchase of HOCU Debt Protection with Life Plus, Disability, and Involuntary Unemployment Protection is optional and will not affect your application for credit or terms of any credit agreement requirement to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member agreement for a full explanation of the terms of HOCU Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
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Inquire about our extra services to help protect your loan. Call 777-5626 for more details.
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Contact us or call 808-777-5546 to learn more about HOCU Debt Protection.
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With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!
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