; (B) life insurance; (C) disability insurance; or (D) motor vehicle insurance; and (2) that— (A) a Federal worker enters into before the date on which a shutdown begins; and (B) is in effect during a shutdown. (b) Insurance protection Without the order of a court, a covered insurance policy shall not lapse or otherwise terminate or be forfeited because a Federal worker does not pay a premium, or interest or indebtedness on a premium, under the policy that is due during a covered period with respect to a shutdown. 12. Protection of rights (a) Exercise of rights under chapter not To affect certain future financial transactions An application by a Federal worker for, or the receipt by a Federal worker of, a stay, postponement, or suspension under this Act with respect to the payment of a fine, penalty, insurance premium, or other civil obligation or liability of that Federal worker shall not itself (without regard to other considerations) provide the basis for any of the following: (1) A determination by a lender or other person that the Federal worker is unable to pay the civil obligation or liability, as applicable, in accordance with the terms of the obligation or liability. (2) With respect to a credit transaction between a creditor and the Federal worker— (A) a denial or revocation of credit by the creditor; (B) a change by the creditor in the terms of an existing credit arrangement