Credit Disability Insurance (CDI) – Single Premium

A disability insurance program for agricultural term loan products.

Peace of mind: Expand/Collapse

"You have peace of mind knowing your payments will be covered in the event of illness or disability."
- Disability insurance benefit up to $1,500 per month to $180,000 per 120 months.

"You don't need to worry about using your other funds to make this loan payment as it is covered."
- Payments not affected by other insurance benefits received.

"You qualify for insurance without the need to answer health questions."
- No health questionnaire.*

Affordable: Expand/Collapse

"You can purchase insurance at an affordable rate."
- Competitive rates.

Flexible: Expand/Collapse

"Your insurance is added to your loan and included in your payment amount."
Premiums can be added to loan balance or paid in cash.

"As long as you have a loan you can apply for disability insurance today or at any time in the future."
- No closing date for application.
- Full refund of premium paid if cancelled within 30 days of applying.

Cost Savings: Expand/Collapse

"If you pay your loan back early, you get cash back."
-Pro-rated refund of premium.

Additional Information:

* Pre-existing conditions are taken into consideration.
- To be eligible you must be working actively for 20 hours per week, for two consecutive weeks prior to effective date.
- Disability must be for 30 days or more to start the claim.

Who might benefit from this product/service?

Any person or ag business owner between the ages of 16-59 years old who is looking for disability insurance coverage for their term loan.


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