Debt Protection

Life is unpredictable.

There is a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That's why it is important you take action to safeguard your family against these types of events to help ensure loan payments can be made on time. That's where Go Energy Credit Union Debt Protection comes in. 

Under the Debt Protection program, your loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected, and most importantly, that your family is protected.

Availability and Plan Options

Debt Protection is available for closed-end consumer loans and home equity lines of credit. Choose from the plan options listed below:

*per $1,000 of monthly loan balance

Select your plan


Definitions of Coverage

If you meet eligibility requirements and conditions, Debt Protection will provide the following benefits:

Death Protection helps your family get back on their feet financially with the cancellation of a loan. 

  • All Plans: Cancels the remaining loan balance as of date of death (up to $75,000) 

Disability Protection cancels your loan payments for a period of time as you regain your health. 

  • Plans 1 and 2: Cancels payments for as long as you are disabled (aggregate maximum of $75,000, up to $1,000 per month, per loan)

Involuntary Unemployment Protection helps ensure your loan payment will be taken care of as you search for new employment 

  • Plan 1: Cancels up to 3 months of loan payments per occurrence (aggregate maximum $15,000, up to $1,000 per month) 

This product is optional Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with US.
Additional disclosures We will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection.
Eligibility requirements, conditions, and exclusions There are eligibility requirements, conditions and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program. 

Securian Financial Group, Inc.

400 Robert Street North, St. Paul, MN 55101-2098 ©2019 Securian Financial Group, Inc. All rights reserved. 
F79378 Rev 4-2019 DOFU 12-2020 801887 

Debt Protection Form

Which plan are you interest in?

Plan 1
Plan 2
Plan 3
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