Having a Scotiabank VISA* card means having easy access to credit. So you can buy a new computer for your home office. Take home that mountain bike you saw in the store window. Or take out money when you're travelling abroad. But suppose you got sick or seriously injured, and could no longer do your job. Could the buying power you enjoy today become a big strain on you or the people you care about?

To ensure that you or your family aren't left struggling with your Scotiabank VISA debt, we introduced Scotia^® VISA* Balance Protection. This affordably priced coverage protects you and your family in case you become seriously ill or injured in an accident, lose your job or pass away. With the living benefits provided by Scotia VISA Balance Protection, you can focus on getting better, instead of having to worry about money. And you can feel confident that your credit rating won't have to suffer as a result of your condition.

Customized protection to suit your needs

Scotia VISA Balance Protection gives you the flexibility to choose your own protection plan. The plan provides coverage for involuntary unemployment or job loss due to disability, a covered health condition, or death. Depending on your needs, you can choose a package that's right for you.

Scotia VISA Balance Protection provides the following benefits:

• Should you be diagnosed with a covered health condition or pass away, Scotia VISA Balance Protection will pay off the outstanding balance on your Scotiabank VISA account up to a maximum of $20,000.
• If you lose your job involuntarily, or become unable to work because of a disability, Scotia VISA Balance Protection will cover the minimum monthly payments on your Scotiabank VISA account after a waiting period of 30 days. The minimum monthly payments will be based on your Scotiabank VISA account balance on the date your involuntary unemployment or disability began.

For rates and to find out more about Scotia VISA Balance Protection, click here. To sign up for Scotia VISA Balance Protection, call Scotiabank toll-free at 1-800-953-7441. Or contact your nearest Scotiabank branch.

Underwritten by ACE INA Life Insurance.

All insurance coverage is subject to the terms and conditions outlined in the applicable Certificate of Insurance, which you will receive upon purchase. For more details, see our online Certificates of Insurance and Distribution Guides.