I'd like help with this too. The February rule prohibits a creditor from financing any premiums or fees for credit insurance in connection with a residential mortgage loan, UNLESS the premiums or fees are calculated and paid in full on a monthly basis, the creditor receives no compensation, the premiums are paid pursuant to a separate insurance contract and are not paid the creditors' affiliate. Then, what is the benefit to the bank for offering this type of product? Am I missing something?