Security and peace of mind - at a reasonable cost.
Hbc optional Credit Insurance program helps you make payments when you can't. Account Protector for Hbc Credit Card or Hbc MasterCard customers delivers peace of mind by protecting you and your family as well as your credit rating. Knowing that you have valuable insurance protection on your account means you can relax – and get on with the important things in your life.
Account Protector coverage for Hbc Credit Card and Hbc MasterCard
Key benefits of Account Protector coverage:
Comprehensive – pays off your account balance in full
Covers your outstanding credit card balance1 up to $10,000 when you can’t, due to:
- Loss of life
- Accidental Death
- Disability
- Involuntary Job Loss
To receive Hbc Reward points present both your Hbc Credit Card and Hbc Rewards Card when making purchases at Hbc stores.
Enrolling is Easy – No medical required
There are no health questions. The cardholder must only meet the age eligibility requirements, at least 18 and under 75.
Maintain your credit rating
Account Protector will help the cardholder keep their Credit Card account in good standing.
Affordable
The cost is only $1.49 per $100 per month of your ending monthly statement balance. No flat fees and no cost when you don’t carry a balance.
Convenient
Premiums are applied to the cardholder's account as a purchase that will appear on their billing statement. No additional bill payments to worry about.
100% satisfaction guaranteed
Do I qualify?
To be eligible for Account Protector coverage, you must be:
- 18 years of age and less than 75 years of age.
For disability and involuntary unemployment coverage, the Primary Account Holder must be gainfully employed on a full time, 25 hours or more per week, permanent non seasonal basis at the date of loss.
The Secondary Account Holder is eligible for Life and Accidental Death coverage.
How much does Account Protector coverage cost?
- $1.49 per $100.00 of your ending monthly statement balance
- You are free to cancel at any time
- If you cancel within 30 days, you will receive a full refund
- Insurance is not required to obtain an Hbc Credit Card or Hbc MasterCard
- There is no cost to you if you are not carrying a balance
ChargeGard coverage for Hbc MasterCard
Key benefits of ChargeGard coverage
Your minimum monthly payment is covered4 after 30 consecutive days of loss if you:
- Lose your job through no fault of your own
- Become disabled due to an accident or illness and you are unable to work
- Are self-employed and forced into bankruptcy by your creditors
The outstanding balance on the date of loss is paid:
- If you die or experience a dismemberment.
- Life and Dismemberment coverage converts to Accidental Death and Accidental Dismemberment when you reach 66 years of age.
How much does ChargeGard coverage cost?
- $0.99 per $100.00 of the daily balance (for Quebec residents, the average daily balance) (plus applicable taxes)
- The maximum amount payable for a covered loss is $20,000 per account
- If you cancel within 30 days, you will receive full refund
- Insurance is not required to obtain an Hbc MasterCard
How do I enroll for Account Protector?
Call 1-888-472-8838 toll-free to protect your Hbc Credit Card or Hbc MasterCard.
Can I cancel if I wish?
Your satisfaction is guaranteed! If you cancel for any reason within 30 days you owe nothing. You can cancel by calling 1-888-472-8838
Who is the insurance provider?
Account Protector is underwritten by American Bankers Life Assurance Company of Florida and by American Bankers Insurance Company of Florida, Assurant SolutionsTM companies.
1. Outstanding credit card balance is assessed at the Date of the loss of life, disability or loss of employment.
2. Primary Account Holder means the person in whose name the account is issued. If the account is issued in more than one name, the Primary Account Holder will be deemed that person who is named first on the billing statement.
3. Secondary Account Holder refers to the person, if any, whose name appears second on the insured account.
