"Have you heard of “croak and choke” insurance? It’s a product pushed heavily by retailers, car dealers and electronics stores. Basically, anywhere you might apply for instant credit when making a purchase, salespeople will try to push this kind of insurance on you. The only problem is that the insurance covers the lender, while you pay the premium. It’s one of the worst purchases a consumer can make. Clark often gets calls from people who don’t know they’re paying this insurance, but it’s in the paperwork of the purchase they made. There are several types of “croak and choke.” The first is “credit life insurance,” under which you pay a premium that allows the lender to get paid off for the loan even if you have died. That’s the “croak” element. It’s an extremely dishonest system because the debts are normally wiped away when people die. But not in this case.The “choke” element is credit disability insurance...."
http://clarkhoward.com/shownotes/2003/11/14.html

“credit life insurance”

.. diese Art von Versicherung meinst du doch sicher, oder?

credit life insurance:

A type of insurance, often bought by mortgagors, in which the amount of the policy matches the loan balance at any given time; designed so that the loan will be paid off in full in the event of death.
http://www.investorwords.com/1204/credit_life...

Credit Life Insurance

Credit life insurance is a simple and inexpensive way to protect your family's finances. Here's how it works:

The monthly cost is only $.60 per $1,000 of insurance on your unpaid loan balance for single credit life insurance, and $.99 per $1,000 of insurance on your unpaid loan balance for joint credit life insurance.
The premium is added to your loan balance each month.
Up to $75,000 coverage per loan is available.
Your insured loans are covered if you should die before the loan is paid in full.
http://www.gncu.org/CreditLife.html

.. hilft das jetzt irgendwie weiter?

ja, das hilft schon weiter. Ich dachte (vermutlich falsch gedacht), dass das ein Slang-Ausdruck für eine Lebensversicherung wäre. Vielen Dank. Ich werd's Kreditlebensversicherung nennen.

... ist mir jedenfalls schonmal untergekommen.
Meint, dass bei die Versicherung die Restraten für einen Kredit übernimmt, wenn der Kreditnehmer nicht mehr zahlen kann (wg. Arbeitslosigkeit, z. B.).