You may apply for Credit Life coverage at the time of your loan application. Your insurance becomes effective as soon as your loan is finalized.
If both you and your co-debtor are named on the loan application, check with your financial institution to see if joint credit life insurance is available.
When you apply for Credit Life Insurance, you have a 30 day Free Look period following receipt of your insurance certificate to review your Credit Life plan and make sure it meets your expectations. If, during this period, you decide you don’t want the coverage, you can cancel it without obligation and any premiums paid will be refunded.
Insurance is underwritten by Plateau Insurance Company, a member company of The Plateau Group. Plateau Insurance Company is highly rated by the major independent rating agencies that analyze the financial soundness and claims-paying ability of insurance companies. For more information about the rating agencies and to see where Plateau Insurance Company ranks relative to other companies, please visit our website at: www.800plateau.com
Unless your claim requires additional information, your claim is generally processed within 10 days after receipt of all required information. Once processed, the claim benefit amount will be credited to your loan.
Depending on your state, suicide may be excluded from coverage for up to 2 years.
Disclosure: For complete details please see Benefits, Limitations and Exclusions in the insurance policy.
© Copyright 2023 United Group Incorporated. All Rights Reserved.
Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and expenses) and the availability of collateral. Annual percentage rates vary depending on your credit profile and state restrictions.
© Copyright 2023 United Group Incorporated. All Rights Reserved. Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and expenses) and the availability of collateral. Annual percentage rates vary depending on your credit profile and state restrictions. For residents of Oregon State only: United Finance Company – Oregon Consumer Finance License NMLS # 1144976. For residents of Washington State only: United Finance Industrial Loan Company – Washington Consumer Loan Company License NMLS # 35954. Click here for the NMLS Consumer Access Database.