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Debt Protection

Protect your family against the unexpected with Debt Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.

This protection could cancel your loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow.

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply. Ask your Member Services Officer about eligibility, conditions, or exclusions.1



  Death Disability Involuntary Unemployment
  • Protected borrower passes away.
  • A covered disability occurs due to injury or illness.
  • A covered job loss occurs.
up to the contract maximums
  • Your payments or loan balance.
  • Your loan payments.
  • Your loan payments.
  • Have an eligible loan.
  • Are a permanent employee who is actively working.1
  • Are a permanent employee who is actively working.1
  • Are honorably discharged.


Ask your Member Services Officer to protect what matters most to you.


Please refer to the Contract for complete terms and conditions of the program as additional eligibility requirements, conditions, and exclusions apply.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.

1 Please contact your Member Service Officer or refer to the Member Agreement for a full explanation of the terms of 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.

Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Sandia Area need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer's choice.

OMS#: DPM002 † MARKETING#: DP-1394018.1-0116-0218

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