Which type of insurance ensures that creditors are paid if the debtor becomes disabled?

Credit Health Insurance is designed specifically to provide financial protection for creditors in the event that a debtor becomes disabled and is unable to make their loan payments. This type of insurance typically covers the installments on a loan or debt during the period of the debtor's disability, ensuring that creditors are compensated even when the borrower can't fulfill their financial obligations due to health issues.

The other types of insurance mentioned serve different purposes. Term Life Insurance offers a death benefit to beneficiaries if the insured passes away within a specified period but does not address situations related to disability. Whole Life Insurance provides both a death benefit and a cash value component but does not focus on protecting creditors during a debtor’s disability. Universal Life Insurance combines a death benefit with a cash value feature, allowing for flexible premiums and coverage amounts but is also not tailored to creditor protection during a debtor's period of disability. Thus, Credit Health Insurance is the most appropriate answer for ensuring creditors are paid in such scenarios.