For more than 12 years, Clydia Goodwin, assistant VP, First National Bank, Moody, TX, has helped citizens of Moody get the money they need in good times and in bad. As a consumer loan officer for the $36 million-asset community bank, Goodwin says that in addition to helping her customers finance life's luxuries and necessities, she also tries to make sure her customers are protected with credit life and disability insurance should an unexpected hardship befall them. Credit life and disability insurance offers an affordable way for consumers to take out incremental coverage without taking out a term or whole life policy. Bottom-line: it's simple, easy, convenient and offers real value for the borrower, says AEGON SVP Todd Schubert. He adds that a significant portion of every dollar the customer spends on a credit life or disability policy benefits the bank in the form of protection from potential charge offs, commission income and claims payments to the customer.