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ECU Loan Guardian

Protection for the unexpected events in life.

If you were faced with unexpected life events, would you and your family struggle to cover your financial responsibilities? 

ECU Loan Guardian is a loan-payment protection option that helps relieve the financial burden of your loan when income may be reduced or lost due to an unexpected event in your life. 


Protected Life Events

  • Death, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Injury and illness
  • Involuntary unemployment
  • Accidental dismemberment
  • Terminal illness
  • Hospitalization
  • Family medical leave
  • Loss of life of a non-protected dependent

What's Covered?

Products Included in this Coverage are:

  • Consumer loans
  • Credit cards

If a protected life event occurs, ECU Loan Guardian will cancel your covered loan debt up to the contract maximum, helping you avoid delinquent payments and defaulted loans that negatively impact your credit rating.

Life is unpredictable. Speak with your ECU Loan Officer about ECU Loan Guardian today!



ECU Loan Guardian 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 contract for a full explanation of the terms. You will receive the contract before you are required to pay for ECU Loan Guardian. 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.

DPGAP-0214-8FDB