When life takes an unexpected turn, your financial obligations don’t stop. That’s where credit insurance comes in — providing peace of mind by helping cover your debts if something happens to you. At Riseson Insurance , we’re here to help individuals and families in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler understand their options when it comes to protecting their credit and financial future.

Credit insurance is a type of policy designed to help repay loans or credit card balances in the event of:

Death Disability Unemployment Critical illness (in some cases)

The purpose of this coverage is to protect both the borrower and the lender. If you're unable to make payments due to a covered event, the insurance steps in to cover some or all of the outstanding debt.

There are several types of credit insurance, each serving a different need:

Credit Life Insurance : Pays off the remaining balance of a loan or credit card if the borrower passes away. Credit Disability Insurance : Covers loan payments if the borrower becomes disabled and is unable to work. Credit Unemployment Insurance: Helps cover payments if the borrower loses their job involuntarily. Credit Property Insurance : Covers personal property used as collateral on a loan (e.g., auto or furniture loans) in the event of damage or theft.

Credit insurance isn’t mandatory — but it can be a smart safety net, especially if:

You don’t have significant savings or emergency funds You're the primary income provider for your household You're worried about how your family would handle debts if something happened You’re self-employed or have variable income

Residents in Phoenix, Tucson, and other Arizona cities often take out loans for vehicles, homes, or business ventures. Adding credit insurance can provide valuable protection during uncertain times.

While traditional life and disability insurance provide broader protection (and often better long-term value), credit insurance is more focused: it pays the lender directly to cover your debt.

Some people use credit insurance as a supplemental layer of protection, especially on auto loans, credit cards, or personal loans.

At Riseson Insurance, we work with top insurance providers to find the right coverage for your needs — whether that includes credit insurance, life insurance, disability, or a combination.

We help clients across Tempe, Scottsdale, Gilbert, Chandler, and beyond understand the cost, benefits, and fine print so they can make confident choices.

Life happens — but your credit doesn’t have to suffer. Whether you're considering a new loan or just want to add protection to your financial plan, call Riseson Insurance at 602-460-5470 is here to help.

What Is Credit Insurance?

Types of Credit Insurance

Who Needs Credit Insurance?

How Is Credit Insurance Different from Life or Disability Insurance?

How to Get Credit Insurance in Arizona

Let’s Talk About Protecting Your Credit

• Death
• Disability
• Unemployment
• Critical illness (in some cases)

• Credit Life Insurance : Pays off the remaining balance of a loan or credit card if the borrower passes away.
• Credit Disability Insurance : Covers loan payments if the borrower becomes disabled and is unable to work.
• Credit Unemployment Insurance: Helps cover payments if the borrower loses their job involuntarily.
• Credit Property Insurance : Covers personal property used as collateral on a loan (e.g., auto or furniture loans) in the event of damage or theft.

• You don’t have significant savings or emergency funds
• You're the primary income provider for your household
• You're worried about how your family would handle debts if something happened
• You’re self-employed or have variable income