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These are types of shared secured loans. The memeber pledges a portion of their shares for the loan or for a fully shared secured loan they pledge the full amount of their shares.
These valuable protections are available to protect credit and deliver peace of mind. Disability protection will pay the loan payments in the event a member is unable to work due to illness or injury. Life protection will payoff the loan balance in the event of death. Feeling secure debts will be paid in an emergency can help ease worry and anxiety.