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Coverage options that help protect your home and payments if life takes an unexpected turn.
Your home is one of your most important assets, so it makes sense to protect it. With our Mortgage Protection Programs, you can have peace of mind knowing your mortgage is protected if the unexpected occurs. Whether it’s support for your mortgage payment in the event of disability or a death benefit that helps cover your loan balance, these coverage options help protect your family and your home.
As a member of Summit Choice Credit Union, we’ll work with you to customize a mortgage protection plan with coverage and rates that fit your needs and your budget.
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An accidental death benefit provides financial protection if loss of life results from sudden, unexpected external events. Summit Choice Credit Union’s Mortgage Accidental Death coverage helps protect your home loan balance in the event of a covered accidental death.
No health questions or physical exam required
Available for members under age 70
Insure the full mortgage balance or any portion of it
One or two borrowers may be covered
Coverage up to $300,000
Covered examples may include events such as accidental injury, drowning, smoke inhalation, vehicular accidents, electrocution, and other sudden incidents. Some exclusions may apply. Contact us for full details.
The 2 in 1 Life Plus plan combines limited benefit life insurance with accidental death coverage at a low cost to help protect your mortgage and your family.
Premium rates stay the same regardless of age
One or two borrowers are eligible
Discounted premium for second borrower
Choose benefit amount up to your full monthly mortgage payment
Monthly benefit up to $2,000; minimum benefit $200
Available up to age 65
Contact us for complete plan details.
Mortgage Life Insurance pays benefits directly to Summit Choice Credit Union to pay off or reduce your loan balance in the event of your passing. If the benefit amount exceeds your loan balance, the difference can be paid to you (if living) or to your named beneficiary or estate.
Coverage available for single or joint borrowers
Coverage options up to $300,000
Premiums that do not increase with age
No waiting period for benefits
Available up to age 69
Contact us for eligibility and details.
If you become totally and continuously disabled due to a covered sickness or accident, Mortgage Disability Insurance can help protect your loan payments. Once the disability waiting period is met, benefits will be paid up to the policy maximum for the duration specified in the contract, helping to keep your loan current when you need it most.
Helps protect your loan from default if you become disabled
Coverage begins after 30 days of continuous disability
Up to 12 monthly benefit payments
Eligibility for ages 18 to 66
Monthly benefit up to $1,500
Some exclusions may apply; contact us for full details.
*APR = Annual Percentage Rate. Calculations are estimates only and do not constitute a quote or offer of credit. Rates may vary and may not reflect all current promotions. Please contact us for complete details.
*APY = Annual Percentage Yield. Calculations are estimates only and do not constitute a quote or offer of credit. Rates may vary and may not reflect all current promotions. Please contact us for complete details.