Credit Life & Disability This insurance is targeted to help protect both the credit union and its members from unexpected loss. Credit Life - pays the insured balance of the member's loan, up to the policy maximum, in the event of the members death Credit Disability - pays the member's loan payments, up to the policy maximum, in the event the member become totally disabled by sickness or accident Sign up at closing of your consumer or real estate loan Guaranteed Auto Protection (GAP) GAP offers protection against financial liability for members who finance a new or used vehicle. GAP protects against financial loss in the event that your member's vehicle is damaged beyond repair or stolen and never recovered. The program is designed to cover the exposure for the GAP amount, which is the difference between the outstanding lease or loan balance and the actual cash value (ACV) of the vehicle at the time it is declared a total loss.  Program highlights include: Applies to either loans or leases and to both new and used vehicles No waiting period; Benefits start with the execution of the finance agreement and the GAP application The primary insurance deductible will be reimbursed up to $1,000 Up to $1,000 towards the purchase of your next vehicle Available for terms up to 72 months Maximum claim benefit of $50,000 Sign up at closing of your vehicle financing *Please note, extension of credit is not conditional upon the purchase of an insurance product from E&A or our affiliates.  Any insurance product is not a deposit or other obligation of, or guaranteed by EACU or any of our affiliates.  The insurance product is NOT insured by the National Credit Union Administration (NCUA) or any other agency of the United States, EACU, or any of our affiliates.  In the case of an insurance product that involves an investment risk, please consider a possible loss of value and consult a professional for detailed risk assessments.