Credit Disability Insurance and Credit Life Insurance - Harvard University Employees Credit Union
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Please note: For the most up-to-date information on HUECU's response to the COVID-19 pandemic including branch availability, please visit huecu.org/covid-19-help.

Credit Disability Insurance:

A voluntary payment protection product available to eligible borrowers at group rates. This insurance helps make monthly loan payments if the insured borrower is totally disabled for longer than the waiting period. Refer to the Credit Insurance Application and Certificate (Part A) and Credit Insurance Certificate (Part B) for comprehensive plan information.

Exclusions and Limitations:

A Credit Disability Insurance benefit will NOT be paid if the claim is related to:

  • A pre-existing condition when the claim is incurred within 6 months following the effective date of insurance*

Credit Life Insurance:

A voluntary payment protection product available to eligible borrowers at group rates. This insurance pays off or reduces the loan balance in the event of an insured borrower’s death. Refer to the Credit Insurance Application and Certificate (Part A) and Credit Insurance Certificate (Part B) for comprehensive plan information.

Exclusions and Limitations:

A Credit Life Insurance benefit will NOT be paid if the claim is related to:

  • A pre-existing condition when the claim is incurred within 6 months following the effective date of insurance*
  • Suicide within 12 months following the effective date of insurance*

For additional information on the Credit Disability Insurance and Credit Life Insurance feel free to contact us.

 

* The effective date of insurance is the later of the issue date of the certificate, the date of an advance, or the date the application for insurance is signed.

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