Chargegard Insurance

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Who will pay your credit card balance in the event of an emergency? With Chargegard Insurance offered through Wells Fargo Financial Bank you can rest assured knowing your minimum monthly payments on your Wells Fargo Financial Bank account will continue to be made in the event of an involuntary job loss or an illness or injury that prevents you from working. In the event of your death, your outstanding account balance will be paid up to the maximum amount of insurance.

  • Easy to get coverage - There are no health questions on the application.
  • Cancel at any time - Notify us in writing and we will cancel your policy at any time.
  • Reasonable coverage cost - The cost is calculated based on your account balance. (Zero balance = Zero cost)
  • Convenient payments - The cost of coverage will be included in your monthly statement, so there is no separate bill to pay.

Eligibility, restrictions and exclusions vary by coverage and state. If you have other insurance that covers the same risks as described, you may not need or want to purchase this insurance. This credit insurance is optional. You are not required to purchase the insurance to obtain credit. Program not available in KY, MN and NH.

This insurance product is not a deposit, nor is it insured or guaranteed by the FDIC, Wells Fargo Financial Bank, Wells Fargo Bank, N.A., or any Federal Government Agency. We may not condition your extension of credit on either: your purchase of an insurance product from us or our affiliates, your agreement not to obtain insurance from an unaffiliated entity, or a prohibition on your obtaining insurance from an unaffiliated entity.

Coverage is underwritten by American Bankers Life Assurance Company of Florida and American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157-6596. In NY, life and disability coverage is provided by Union Security Life Insurance Company of New York, Syracuse, NY. For additional information, please contact .

*Not all insurance coverages available in all states. Coverages are subject to policy terms, conditions, and limitations. Credit insurance is available only in connection with an extension of Credit. Please check with your local branch for restrictions, including maximum amount of insurance and term limitations.

Credit insurance products are underwritten by Centurion Life Insurance Company of 800 Walnut St., Des Moines, IA 50309 and Assurant of 11222 Quail Roost Drive, Miami, FL 33157. Centurion Life Insurance Company is licensed in all states except ME, NY, and VT. Centurion Life Insurance Company, NAIC Company Code 62383 is domiciled in Iowa. Underwriter varies by state and coverage type. Centurion Life Insurance Company is an affiliate of Wells Fargo Financial, Inc.

The creditor is not acting as a broker to you but as an agent for the insurance company. The creditor and/or its affiliates, including insurance company affiliates expect to earn profits from the sale of credit insurance products.

Credit insurance is optional and not required. Loan decisions are not impacted by decision to purchase credit insurance.