Your lender may insist that you take out an insurance policy alongside any loan that you arrange. The insurance policy will cover the repayment of the loan in the event of your inability to make the repayments either through death or loss of earnings (but it will not let you just walk away from the debt).

Most new policies are void if there is a forseeability of redundancy or pre-existing conditions at the time they are taken out, so don't change policy if this is your situation. For more information, see Cutting the Cost of Existing Loans.

It doesn't matter if it's for a luxury cruise, a tummy tuck or flashy car - prices are low and you should get one while you can. Unless you have buried your head in the sand for the past six months, that's the message you'll have been battered with in adverts for personal loans on TV, radio and the internet, in the street and across your newspaper.

Disability benefit pays your monthly loan repayment up to $750 per month (conditions apply)...

Enrolment is simple: in most cases, you simply have to answer a few questions when you take out your loan...

Ultra Gold and Plus Gold Coverage...

Reasonable one-time cost of $295 (substantially less than what you'd pay elsewhere)...

An extended warranty - also known as a service contract can cost you in the thousands and most consumers collect very little of that.

If you will be keeping your car for a while Mechanical Breakdown Insurance is a good deal. Sold through the credit union they are fairly priced for new and used car coverage. This cost is about half what a dealer would charge you for a typical extended warranty. And Mechanical Breakdown Insurance, usually lets you go to your repair shop, where dealer warranties limit work to specific dealerships.

Your loan payment* will be cancelled for a period of time without penalty, added interest, or being reported as delinquent to the credit bureau when one of the following covered events occur...