It is an optional tool that enables you to ensure your loan payments are uninterrupted in case an unforeseen disability or death impairs your ability to repay the loan. Most people carry very little life insurance and are not adequately protected from potentially catastrophic events. Commerce Bank offers two different types of protection: Life Protection and Disability Protection that can be used separately or jointly.

• Life Protection** will pay the balance of the loan up to a policy maximum in case of the subscriber's death.

• Disability Protection** provides for complete or partial payment of your loan until the disability period is over, up to a policy maximum.

** Protection maximums are $100,000 for Life (Joint or Single) and $1,000 per month up to a policy maximum for Disability. Other restrictions apply.

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