Debt Protection

What is Debt Protection? Debt protection is a financial service that helps cancel your loan balance or monthly payments if you experience major life events — such as death, disability, or involuntary unemployment. This optional coverage gives you and your family peace of mind by safeguarding your finances during unexpected hardships.

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Benefits of Debt Protection

Adding debt protection to your Advia Loan, Line of Credit, or Visa® Platinum Credit Card means you’re ready for whatever life brings.

  • Protects your family from financial hardship if you’re unable to make loan payments1
  • Maintains your credit rating during unforeseen events2
  • Preserves your savings and assets
  • Offers peace of mind for you and your loved ones

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Compare Debt Protection plans and events covered under each tier.

Choose the plan that fits your needs and budget. Each plan provides different levels of coverage:

Debt Protection Includes
Gold Tier
Silver Tier
Bronze Tier
Death Protection
Terminal Illness
Accidental Dismemberment
Hospitalization
Family Medical Leave
Disability
Involuntary Unemployment

Eligible loans for Debt Protection.

You can add debt protection during your loan application or within 180 days after signing. Eligible loans include:

  • Auto Loan
  • RV Loan
  • Share/Certificate Loan
  • Credit Builder Loan
  • Advia Visa® Credit Card Products
  • Advanced Line of Credit

Debt Protection frequently asked questions.

Please review your Application, Disclosures, and Program Agreement for Debt Protection Plan provided with your loan to learn more about specific qualifications surrounding claim criteria. To seek guidance related to a potential claim, you may start your claim online.3

Depending on the plan selected, Debt Protection may cancel your loan balance or loan payments in the event of death, disability, involuntary unemployment, and more.

If you have experienced a qualifying life event, please start your claim online.3

Up to two (2) borrowers listed as Borrower or Co-Borrower on a loan may be protected in the case of a qualified life event that includes Debt Protection. Co-Signers, Guarantors, and Non-Borrower owners of collateral are not eligible. At the time the contract was signed, the borrower(s) must have been actively working for wages or profit for 24 hours or more per week. Please review your Application, Disclosures, and Program Agreement for Debt Protection Plan for complete details. Have additional questions about your coverage? You may start your claim online.1

View all the different loans that Debt Protection can be added to.1

You may cancel your Debt Protection at any time. Ready to cancel? Chat with a live agent, give us a call, or stop into your local branch.

Debt Protection can be added during the application process or within 180 days after signing for your loan. Ready to add? Chat with a live agent, give us a call, or stop into your local branch.1

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Not sure what Debt Protection coverage works for you? We’re here to help you decide.

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  1. Not available on Lease Loans.
  2. Your purchase of Debt Protection with Death Benefit 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. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. 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.
  3. If you are filing a claim for an event that occurred in 2021, please contact an Advia Representative at 844.238.4228 to initiate your claim.