{"id":15220,"date":"2026-02-22T19:25:08","date_gmt":"2026-02-22T19:25:08","guid":{"rendered":"https:\/\/poefcu.org\/?page_id=15220"},"modified":"2026-03-02T09:50:55","modified_gmt":"2026-03-02T09:50:55","slug":"debt-protection","status":"publish","type":"page","link":"https:\/\/poefcu.org\/index.php\/debt-protection\/","title":{"rendered":"Debt Protection"},"content":{"rendered":"<div id=\"cmsmasters_row_oswnqulxvj\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_j3z9cyi218\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_img  cmsmasters_image_n\"><img decoding=\"async\" src=\"https:\/\/poefcu.org\/wp-content\/uploads\/2026\/02\/lending-services-banner.jpg\" \/><\/div>\n<\/div><\/div>\n<div id=\"cmsmasters_column_cbry6b0q58\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_iiuoh0cbrm\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h4 class=\"cmsmasters_heading\">DEBT PROTECTION<\/h4>\n<\/div><div id=\"cmsmasters_fb_694xv1th5g\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_ju3rsysjtt\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Safeguard your finances when life takes an unexpected turn. <\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p data-start=\"64\" data-end=\"398\">Whether facing job loss, disability, or other qualifying life events, debt protection can help reduce or cancel remaining loan balances, providing peace of mind during challenging times.<\/p>\n<p data-start=\"400\" data-end=\"746\">This optional coverage is available on eligible loans and can help protect your family\u2019s financial stability. In the event of involuntary unemployment, disability, or death, debt protection may cancel or suspend loan payments according to the terms of the program. This can ease the burden of monthly payments and help prevent financial hardship.<\/p>\n<p data-start=\"748\" data-end=\"990\">Adding debt protection is simple and affordable. Members can choose coverage when applying for a new loan or add it to an existing eligible loan. The cost is typically included in the monthly loan payment, making it convenient and manageable.<\/p>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>&nbsp;<\/p>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>&nbsp;<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_febc6l12sd\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_kmypgz5pz\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_fb_nnrj4uvoi9\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_4r0coi0gfe\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Benefits Of Debt Protection From POE:<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p data-start=\"597\" data-end=\"643\"><strong data-start=\"597\" data-end=\"643\">1. Protects Your Loved Ones from Loan Debt<br \/>\n<\/strong>If you pass away while you still owe on a loan (like a car loan or personal loan), credit life insurance kicks in to <strong data-start=\"763\" data-end=\"834\">pay off the remaining balance of that loan up to the policy maximum<\/strong> \u2014 which can relieve your family of debt responsibility in a difficult time.<\/p>\n<p data-start=\"950\" data-end=\"980\"><strong data-start=\"950\" data-end=\"980\">2. Financial Peace of Mind<br \/>\n<\/strong>Knowing that your covered loans won\u2019t become a burden for your family can give peace of mind. It\u2019s a way of ensuring that debts don\u2019t add financial stress when loved ones are already coping emotionally.<\/p>\n<p data-start=\"1187\" data-end=\"1218\"><strong data-start=\"1187\" data-end=\"1218\">3. Simple Premium Structure<br \/>\n<\/strong>The cost of coverage is typically <strong data-start=\"1255\" data-end=\"1294\">added directly to your loan payment<\/strong>, so you don\u2019t have to manage a separate bill or policy outside of your loan repayment schedule.<\/p>\n<p data-start=\"1430\" data-end=\"1472\"><strong data-start=\"1430\" data-end=\"1472\">4. Easy Enrollment at Loan Origination<br \/>\n<\/strong>You can usually opt in for credit life insurance when you take out your loan. This makes <strong data-start=\"1564\" data-end=\"1601\">sign-up convenient and integrated<\/strong> with your borrowing process.<\/p>\n<p data-start=\"1632\" data-end=\"1671\"><strong data-start=\"1632\" data-end=\"1671\">5. Complements Your Other Insurance<br \/>\n<\/strong>While credit life insurance isn\u2019t a substitute for standalone life insurance, it can be an <strong data-start=\"1765\" data-end=\"1799\">additional layer of protection<\/strong> that works alongside other policies you may have.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_0qnsh5l3s4\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_t1fdptdij\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_text\">\n<p data-start=\"2019\" data-end=\"2180\">For more information regarding our debt protection services, call <a class=\"local\" href=\"tel:318-222-1979\">(318) 222-1979<\/a> or <a class=\"local\" href=\"tel:318-742-1912\">(318) 742-1912<\/a>, or drop by one of our locations to see a loan officer.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15220","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15220","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/comments?post=15220"}],"version-history":[{"count":4,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15220\/revisions"}],"predecessor-version":[{"id":15483,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15220\/revisions\/15483"}],"wp:attachment":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/media?parent=15220"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}