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Pearl Hawaii Credit Union
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Debt Protection

Protect your family against the unexpected

Savings Certificates
  • Debt Protection: Your Safeguard Against The Unexpected

    Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel an existing loan balance or payments if the unexpected were to happen.

    Value of Debt Protection

    • EASY - Simple to apply for.
    • BUDGET-FRIENDLY - Comfortably fits into your monthly payment.
    • VOLUNTARY - Adding it to your loan is voluntary and won't affect your loan approval.
    • PUTS YOU AT EASE - Rest easy, knowing you could be taken care of in so many problem situations.

    Financial Protection for the unexpected.

    Protect the ones that matter most. Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events: Involuntary Unemployment, Disability, Death.

    For additional protections, Life Plus can extend your Debt Protection program to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances. For example, accidental dismemberment, terminal illness, hospitalization or family medical leave, death of a non-protected dependent.

    Debt Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.

    Protection for Consumer Loans

    When Debt Protection may cancel your loan balance or payments:Involuntary UnemploymentDisabilityLoss of Life
    WHAT HAPPENS: A covered job loss occursA covered disability occurs due to injury or illnessProtected borrower passes away
    IT CANCELS: Your loan paymentsYour loan paymentsYour loan balance or payments
    ELIGIBILITY:Are a permanent employee who is actively working*Are a permanent employee who is actively working*Have an eligible loan

    CUNA Mutual Group, Proprietary Data. 2Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age. 3One occurrence per rolling 12 months for all events. Your purchase of Debt Protection 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, conditions and exclusions may apply. *Refer to the Member Agreement for complete terms. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
    DP-3414687.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.


You can count on Debt Protection to step in when you and your family need help the most. Pearl Hawaii Federal Credit Union has several options available. Please visit any location or call 808-737-4328 (73-PHFCU) for more information.