Thinking about a home equity loan for a project? Here's a tip for you. Does the loan package include optional credit insurance, such as credit life, disability, or unemployment insurance? Depending on the type of policy, credit insurance can cover some or all of your payments if you can't make them. Understand that you don't have to buy optional credit insurance--that's why it's called "optional." Don't buy insurance you don't need. Some of the links on this page won't force you to buy insurance you don't need. Explore several of them to compare and find the best deal.