I purchased my Nissan Amanda from Nissan Fairfield, they sold my loan to Fireside Bank, under the same type of sale promotion 98% financing. At the time of my purchase I put 20, 000 down and a rebate of 2, 500 making my down payment 22, 500, Nissan was looking for a financing company it was Fireside Bank, sense I was also purchasing Credit Disability Insurance and Auto Repair Policy, Fireside came back asking for an additional 5, 000 dollars to cover those policy according to Nissan financing department. My problems began when I attempted to use the Credit Disability Insurance this was after my purchase about three years later I became ill and need surgery, I was living and working in North Carolina I attempted to use the disability insurance that I purchased in 2005 when I purchase my Nissan Amanda. I have locked horns with the Devil Fireside Bank. They refuse to honor my purchase of Credit Disability Insurance. I blame Nissan Fairfield who sold my the policy and Fireside Bank who hold my loan. This what I have to say for anyone purchasing a new car and are financed though watch your purchase and the financing department at Nissan. Be sure to read the Credit Insurance Application and Certificate of Insurance which will explain the exact terms, conditions and exclusions of the policy, I was told that it would be mailed to me with my auto repair policy, when I did not receive them I was not alarmed because I had moved. Still paying my auto note as required of me until I became disabled I had no idea Fireside Bank would not honor this agreement. What you need to know about this type of insurance is eligibility requirements including age maximums, working requirements and health questions may apply. Also, benefits may be subject to a waiting period. The policy may include maximum coverage or benefit amounts and/or durations. Exclusions for pre-existing conditions, normal pregnancy, intentional injury, air travel and/or atomic explosions may apply. I received nothing and this is the problem I only have were I signed for it on the auto contract. As for Nissan Fairfield for selling the policy, only a licensed insurance agent may provide consultation on your insurance needs. This is a voluntary insurance product. Your financing outcome is not based on your selection of this product. I was played out of 5, 000 for this insurance I would not have paid them I would have used this money to in my saving to over any illness or to purchase a policy that would have cover my disability .