For loans under $100,000, you can apply at Reddy Kilowatt Credit Union and your protection could begin right away. Coverage is also available on loans up to $500,000.

It's a sensible solution when:

• New borrowing and increased debt raises your risk of financial loss.
• Family responsibilities rely on income from your business.
• Business partners share business debts equally.
• Losing a partner's profit producing ability raises financial concerns.