生活可以很美好. 但当意想不到的事情发生时，它也会变得复杂.
支付保护1 is a simple and budget-friendly way to protect your family and help ensure your credit cards, 汽车贷款, 或者，如果你失业了，也可以继续支付个人贷款, 禁用, 或者死去. This protection could cancel your loan balance or payments 不超过合同的最高限额.
生活+ 是付款保护的可选附加组件, which adds additional protection for life events such as accidental dismemberment, 绝症, 住院治疗, 家庭病假, 以及失去一个不受保护的家属. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. Purchasing protection is voluntary and won’t affect your loan approval.
可用于汽车贷款，个人贷款和信用卡
每月的全额付款可以取消，但不超过合同的最高限额
This optional add-on gives even more protection for accidental dismemberment, 绝症, 住院治疗, 家庭病假, 以及失去一个不受保护的家属的生命
只付你欠的保险，随时取消
当你的余额减少时，你的成本也会减少. +, if you pay off your credit card balance before your billing cycle date, 你不用为付款保护支付任何费用.
受保护借款人死亡的情况下, it will cancel 不超过合同的最高限额 if you have an eligible auto loan, 个人贷款, 或者信用卡.
If a covered disability occurs due to injury or illness when you are a permanent employee who is actively working, 你的贷款将被取消，直到合同的最高限额.
If a covered job loss occurs when you are a permanent employee who is actively working, 支付保护 will cancel your loan payments 不超过合同的最高限额.
在Patelco, we put your financial wellbeing first and provide free financial coaching with a Patelco Certified Financial Specialist.2 Your financial specialist can help you create a personalized strategy so you can feel in control of your money and track your progress.
Patelco提供保险解决方案3 for every stage of life, so no matter where you or your family are at, we’ve got you covered. Learn more about how you can help protect yourself and those you love.
Patelco helps you get ready for the unexpected with our Patelco Protection Plans. We know that life can come at you in the most unexpected ways; that’s why we offer protection plans to help you be financially prepared for anything that comes along. 你准备好迎接预期了吗?
如果你受伤了，不能工作怎么办? 你目前的保险范围够吗? 或者万一你意外死亡, 你的家庭能负担得起日常开支和债务吗?
It is possible to plan for the unexpected with our loan and payment protection plan that cancels your loan payments or balance, 不超过合同的最高限额, 如果你有失业保险, 残疾或去世.
但是如果其他意想不到的开支出现了怎么办? 你能弥补差额吗?
例如, 得到一辆新车是令人兴奋的, 但一旦你把它开出停车场，它就开始贬值了. And if it gets wrecked or stolen you could owe more than your 保险 will pay, 这个差距可能是数千美元.
一次性费用为595美元, 资产保障, 或GAP +, can help reduce that gap and put you back where you belong – behind the wheel. 它可以作为你贷款的一部分. This averages out to just over $8 per month over the course of a 5 year loan, 给你保护，可以帮助你提供内心的平静.
但是，当那些巨额的维修账单来临时，会发生什么呢?
Mechanical Breakdown 保险 (MBI) can help make big repair bills a lot smaller. Just choose a plan and deductible to help reduce your out-of-pocket expenses on covered repairs and get additional benefits like roadside assistance, 租金和差旅费报销, 和更多的. 所以当生活给你一个意想不到的曲线时，你可以被覆盖.
向团队成员询问报价或了解更多信息 Patelco.org/保险.
我需要什么样的保险呢? 获得关于多少汽车保险的指导, if you need life 保险 and how much and how to evaluate the cost of health 保险.
关于人寿保险的思考? Get the facts from Patelco to find out about the types of life 保险, 它涵盖了什么, 以及你可能需要多少人寿保险!
Read this article to find out how to form good spending habits so you can stay on budget and reach your financial goals.
1 Your purchase of 支付保护 with 生活+ is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, 条件, and 除外责任 may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of 债务 Protection with 生活+. 您可以随时取消保护. If you cancel protection within 30 days you will receive a full refund of any fee paid.
2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. 透过中心提供的产品: 没有NCUA/NCUSIF或其他联邦保险, 难道不是信用合作社的担保或义务吗, 并可能涉及投资风险，包括可能损失本金. 投资代表须透过中心注册. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.
3 保险 products are not deposits of 帕特尔科信用合作社 and are not insured by the NCUA. They are not guaranteed by 帕特尔科信用合作社 and may be subject to risk. Any 保险 required as a condition of an extension of credit by 帕特尔科信用合作社 need not be purchased from Patelco 保险 Services and may be purchased from an agent or an 保险 company of the member’s choice. Patelco 保险 Services是帕特尔科信用合作社的子公司. 保险产品由Patelco 保险 Services提供, 加州保险代理公司(许可证#0C97544). Any complaints may be filed with the California Department of 保险, 保险.ca.政府.
所有陈述均受条款约束, 除外责任, 条件, 适用保险政策的限制. 并不是所有州都提供保险和特性. 资格须符合适用的承保标准. Discounts and savings are available where state laws and regulations allow and may vary by state. 某些折扣只适用于特定的保险项目. 在法律允许的范围内, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. 具体的保险范围和限制，请参阅保险单.
