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Four Types of Credit Card Insurance New York

There are life, disability, involuntary unemployment and property policies, says the Debt Adviser, so pick the one that suits your needs.

Local Companies

Anthony B. Smolen, Jr., CPA
(716) 834-6111
3949 Forest Park Way 100
N. Tonawanda, NY
Bank of America - Niagara Falls Boulevard Office
(716) 833-3330
1188 Niagara Falls Blvd.
Tonawanda, NY
Bank of America - Payne Avenue Office
(716) 694-2551
1012 Payne Ave.
North Tonawanda, NY
Bank of America - South Side Office
(716) 822-4601
2221 Seneca St.
Buffalo, NY
Bank of Holland
(716) 537-2264
12 South Main St.
Holland, NY
Citizens Bank - Mid City Plaza/Tops
(716) 692-4397
301 Meadow Dr.
North Tonawanda, NY
Citizens Bank - Niagara St./Tops
(716) 693-2658
150 Niagara St.
Tonawanda, NY
Citizens Bank - South Park-Buffalo/Tops
(716) 826-0500
1989 South Park Ave.
Buffalo, NY
Citizens Bank - Tonawanda
(716) 693-2440
20 Main St.
Tonawanda, NY
Citizens Bank - Young St.-Tonawanda/Tops
(716) 693-7285
890 Young. St.
Tonawanda, NY

The Debt Adviser by Steve Bucci • Bankrate.com

Dear Debt Adviser,
What is your feeling about the necessity to purchase credit card insurance? I did not used to feel it was necessary until I lost my job last fall and have only been able to obtain part-time employment at less than half of what I was making. Could you offer some advice on questions to ask the credit company prior to authorizing the purchase of the insurance?
-- Brian

Dear Brian,
Insurance needs tend to be very specific to a person's life situation, and credit card insurance is no different. Having said that, the insurance sounds wonderful for the scenario you describe of losing a job and half your income; however, the credit card insurance might not kick in, as you would hope.

First, let's agree on what credit card insurance is and how it might or might not benefit you. Four major types of credit insurance are offered: life, disability, involuntary unemployment and property.

  • Credit life insurance will pay the amount owed on your card at the time of your death, so long as the card company is named the beneficiary of the insurance.

  • Credit disability insurance will cover the minimum payment due on your card for a specified period after a medical disability. New purchases after you become disabled are not covered.

  • Credit involuntary unemployment insurance will pay the minimum amount due on your account if you are laid off or downsized for a certain time.

Click here to read more from Bankrate.com

Featured Local Company

Anthony B. Smolen, Jr., CPA

(716) 834-6111
3949 Forest Park Way 100
N. Tonawanda, NY
Read more about Four Types of Credit Card Insurance

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