.
For most of us, credit life insurance is just plain bad policy. Credit life insurance may claim to pay off your credit card debt if you die, or cover your payments if you become disabled of unemployed. But this insurance is notorious for overpricing, so consider buying term life insurance or expanding your life insurance coverage instead.
However, if you can’t qualify for regular life insurance coverage – term or otherwise – this coverage could be appropriate. If that’s the case, be sure to read the fine print before you buy.
All the best,
Timben
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