Westfield: (716) 326-3858     Fredonia: (716) 672-5666     Dunkirk: (716) 366-5864     Stow: (716) 763-8062
Life & Disability Insurance

Do you need a way to guarantee repayment of your loans in the future? We offer insurance that can help.

What is this service?

This service adds protection to your loans in the event of disability or death. Obviously, terms and conditions apply and are subject to Inner Lakes FCU underwriting standards.

How does this service work?

Members can apply for either or both of these insurances at the time of the loan. The cost is inexpensive and is added directly to the loan payment - there are no upfront costs.

Types of insurance

  1. Credit Life (offered two ways):
    • Single - Protects the primary borrower of the loan in the event of death and only costs $.074 per $10.00 of the loan balance.
    • Joint - Protects both primary and joint borrower of the loan in the event of death and only costs $.117 per $100.00 of the loan balance.
  2. Credit Disability: Offered to the primary borrower of the loan and will pay the payments after 30 days of being out of work. The cost is only $.142 per $100.00 of the loan balance.

What are the benefits?

  • No age limit and you maintain a sense of security.
  • Inexpensive protection for the future.

How do I apply?

Ask one of our friendly loan officers available in our Westfield and Fredonia Offices for more information.

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