Credit Life and Disability Insurance | SWBC

Credit Life and Disability

Add value to your borrowers’ financial portfolio with a credit insurance program from SWBC. There are a variety of customized credit insurance programs available to suit your financial institution’s specific needs including credit life, credit disability, and credit involuntary unemployment insurance (IUI). When unexpected circumstances like job loss, disability, or even death occur to one of your borrowers, their loan premiums will be covered for a specified amount of time and/or be paid off in full depending on their coverage.


Offer borrowers protection from the unexpected.

Generate non-interest income

Our payment protection program rates can easily be incorporated into many loan-payment quoting tools, making it easy for 100% presentation at the point of sale.

Mitigate default risk

Minimize loan write-offs, save money from delinquent loans, and improve your bottom line.

Build stronger relationships with a unique, value-added benefit

Offer your borrowers affordable coverage that is conveniently included in their payment.

Credit life and disability offers protection for your borrowers, and it also helps your financial institution manage risk by protecting your loan portfolio from delinquency, default, and future loan write-offs. Credit life and disability is also another form of generating non-interest income and improving your bottom line.

SWBC Life Insurance Company is the only credit life manufacturer in Texas that can offer IUI to lenders through a credit insurance master policy. All other manufacturers would have to offer IUI through a debt cancellation policy which lacks the protection of insurance.



Fast, personalized service for borrowers


Professionally staffed administration services


Turnkey implementation and robust training


Monthly production reports provided


By partnering with SWBC, you can provide a safety net for your borrowers, generate additional income for your financial institution, and strengthen your member relationships. For more information on implementing a customized credit insurance program at your institution, contact us today.

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Are you an individual looking for credit life and disability coverage?
Contact your lender directly for options.


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This form is for new business inquiries from lenders only.

If you're a consumer interested in purchasing this product, please contact your financial institution. For client support, click here.

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