1. This product provides daily credit monitoring and alerts members to any changes in their credit reports from national credit agencies. If no changes occur, members receive quarterly notifications.
2. The product includes up to $10,000 in identity theft protection insurance and personal fraud resolution assistance to help restore one's good name if identity theft occurs.
3. The product has a money-back guarantee allowing returns within the membership term if unsatisfied.
WHAT IS THE VETERANS’ GROUP LIFE INSURANCE (VGLI) AND SHOULD I PARTICIPATE?James Groh, MBA
The Veterans’ Group Life Insurance (VGLI) is a program that allows veterans to continue the Servicemembers’ Group Life Insurance (SGLI) after they separate from service. If you're a veteran or will soon separate from service, should you participate? The answer is probably no. Read this article to find out why and learn how you can potentially save hundreds of thousands of dollars by buying your life insurance elsewhere.
Triggering Information for Mortgage ProfessionalsData Facts, Inc
Who is calling your customers? Mortgage professional need to know about and understand how triggering works in order to protect their customers and their loans!
WHAT IS THE VETERANS’ GROUP LIFE INSURANCE (VGLI) AND SHOULD I PARTICIPATE?James Groh, MBA
The Veterans’ Group Life Insurance (VGLI) is a program that allows veterans to continue the Servicemembers’ Group Life Insurance (SGLI) after they separate from service. If you're a veteran or will soon separate from service, should you participate? The answer is probably no. Read this article to find out why and learn how you can potentially save hundreds of thousands of dollars by buying your life insurance elsewhere.
Triggering Information for Mortgage ProfessionalsData Facts, Inc
Who is calling your customers? Mortgage professional need to know about and understand how triggering works in order to protect their customers and their loans!
More Obamacare Health Insurance Problems American Family Ending Health InsuranceLloyd Dobson Artist
More ObamaCare Health Insurance Problems - American Family Ending Health Insurance
Earlier this week, David Brinkman received a surprise in the mail. It was a letter, and inside, it said American Family Insurance was canceling his medical policy, effective April 2014.
"We were kind of dumbfounded, for lack of a better term," Brinkman said. "We didn't know what we were going to do."
Brinkman is a farmer living in Greene, Iowa, and has had four bypasses and several stents put in for his heart. For a man with his health problems, losing his insurance is a huge problem. "If your insurance gets canceled, that's a big chunk of your life," he said.
Brinkman isn't alone in his problem, either – American Family confirmed that they're actually canceling all their major medical insurance policies.
Brinkman said he thought it was because of the Affordable Care Act, also known colloquially as Obamacare. But, that's not the case, said American Family.
"It had nothing to do with that legislation," American Family Spokesman Steve Witmer said."The wheels were in motion for this in 2009 and prior."
Witmer told me that the company decided back in 2009 that they simply couldn't afford to provide competitive health insurance anymore. Current health customers have been grandfathered along in the grace period since then. American Family is recommending that its soon-to-be-former customers transfer to Assurant Health, where the companies have brokered a deal for guaranteed coverage.
Still, Brinkman said it is a tough transition – he'll be paying more, and for less coverage at that. Total, he estimated that the change will add about $5000 to his yearly insurance costs.
"That's a heck of difference in your life, especially when you get to be my age and are thinking about retirement," he said.
Now, he has 60 days to make the decision of whether to transfer to Assurant, or look for coverage elsewhere, because the clock is ticking on his American Family policy.
Witmer adds that American Family Insurance will continue to sell Medicare Supplement insurance policies and health insurance products provided by Assurant Health.
Get all the details about healthcare premium and it's rise over the last few years. Find The factors which determined your health insurance premiums before affordable care act are different from what they are now. For more info on health insurance premium https://truecoverage.com/
A jumbo loan is a mortgage that exceeds the conforming high-balance loan limits which are set by two government sponsored entities - Fannie Mae and Freddie Mac.These two government entities are the nicknames of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. These entities purchase mortgage loans from mortgage lenders and banks and provide financial security to them.
There are two benefits to this type of mortgage. First, the term is spread out for a longer period, which makes payments more affordable. Second, the interest rate is fixed, so it won’t fluctuate or balloon at any time during the term of the loan. And with such great 30 year mortgage rates, California residents can enjoy much lower payments.
These are all questions that play an important role in the decision to purchase a new home - especially for first-time home buyers. California real estate and mortgage processing can be downright confusing. With EZ Online Mortgage in your corner, however, it doesn’t have to be!
If you are active military, or a military veteran, a VA loan could be the perfect mortgage option for. VA loans in California has lots of benefits for active military personnel, veterans, and their families. EZ Online Mortgage can help you navigate the sometimes-confusing waters of the Department of Veterans Affairs’ policies. Our dedicated team of professionals is eager and ready to help you and your family get the financial solution you deserve.
Refinancing your home can be a big decision. You want to make sure you’re acting at the right time so you receive the lowest refinance home mortgage rates available. This can help to lower your monthly mortgage payments and it may even help you pay off your loan faster. What you need is a partner in your corner. Someone who is experienced in the refinance process and can help you get the best possible refinance mortgage in California.
California Home Owners with good credit, take advantage of the equity in your home. Need cash for paying of loans, debts or maybe cash out for that dream vacation?
Trade-show collateral educating admins of higher education about 529 payment integration through CASHNet. CASHNet is the first to offer its clients technology to help their clients direct-pay through a linked 529 account.
More Obamacare Health Insurance Problems American Family Ending Health InsuranceLloyd Dobson Artist
More ObamaCare Health Insurance Problems - American Family Ending Health Insurance
Earlier this week, David Brinkman received a surprise in the mail. It was a letter, and inside, it said American Family Insurance was canceling his medical policy, effective April 2014.
"We were kind of dumbfounded, for lack of a better term," Brinkman said. "We didn't know what we were going to do."
Brinkman is a farmer living in Greene, Iowa, and has had four bypasses and several stents put in for his heart. For a man with his health problems, losing his insurance is a huge problem. "If your insurance gets canceled, that's a big chunk of your life," he said.
Brinkman isn't alone in his problem, either – American Family confirmed that they're actually canceling all their major medical insurance policies.
Brinkman said he thought it was because of the Affordable Care Act, also known colloquially as Obamacare. But, that's not the case, said American Family.
"It had nothing to do with that legislation," American Family Spokesman Steve Witmer said."The wheels were in motion for this in 2009 and prior."
Witmer told me that the company decided back in 2009 that they simply couldn't afford to provide competitive health insurance anymore. Current health customers have been grandfathered along in the grace period since then. American Family is recommending that its soon-to-be-former customers transfer to Assurant Health, where the companies have brokered a deal for guaranteed coverage.
Still, Brinkman said it is a tough transition – he'll be paying more, and for less coverage at that. Total, he estimated that the change will add about $5000 to his yearly insurance costs.
"That's a heck of difference in your life, especially when you get to be my age and are thinking about retirement," he said.
Now, he has 60 days to make the decision of whether to transfer to Assurant, or look for coverage elsewhere, because the clock is ticking on his American Family policy.
Witmer adds that American Family Insurance will continue to sell Medicare Supplement insurance policies and health insurance products provided by Assurant Health.
Get all the details about healthcare premium and it's rise over the last few years. Find The factors which determined your health insurance premiums before affordable care act are different from what they are now. For more info on health insurance premium https://truecoverage.com/
A jumbo loan is a mortgage that exceeds the conforming high-balance loan limits which are set by two government sponsored entities - Fannie Mae and Freddie Mac.These two government entities are the nicknames of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. These entities purchase mortgage loans from mortgage lenders and banks and provide financial security to them.
There are two benefits to this type of mortgage. First, the term is spread out for a longer period, which makes payments more affordable. Second, the interest rate is fixed, so it won’t fluctuate or balloon at any time during the term of the loan. And with such great 30 year mortgage rates, California residents can enjoy much lower payments.
These are all questions that play an important role in the decision to purchase a new home - especially for first-time home buyers. California real estate and mortgage processing can be downright confusing. With EZ Online Mortgage in your corner, however, it doesn’t have to be!
If you are active military, or a military veteran, a VA loan could be the perfect mortgage option for. VA loans in California has lots of benefits for active military personnel, veterans, and their families. EZ Online Mortgage can help you navigate the sometimes-confusing waters of the Department of Veterans Affairs’ policies. Our dedicated team of professionals is eager and ready to help you and your family get the financial solution you deserve.
Refinancing your home can be a big decision. You want to make sure you’re acting at the right time so you receive the lowest refinance home mortgage rates available. This can help to lower your monthly mortgage payments and it may even help you pay off your loan faster. What you need is a partner in your corner. Someone who is experienced in the refinance process and can help you get the best possible refinance mortgage in California.
California Home Owners with good credit, take advantage of the equity in your home. Need cash for paying of loans, debts or maybe cash out for that dream vacation?
Trade-show collateral educating admins of higher education about 529 payment integration through CASHNet. CASHNet is the first to offer its clients technology to help their clients direct-pay through a linked 529 account.
Packed with games and information, coupons and discounts, this save tool worked at a 7% retention rate for Travelers Advantage (travel program marketed through financial institutions).
United Credit Education Services reveals the 10 myths about credit and the credit reporting agencies. Credit Restoration is legal thats why we have the Credit Repair Organization Act.
VR-Tech Home Based Business Opportunity, VR-Tech Marketing Group Credit Restoration Services, VR-Tech Marketing Group Prepaid Account now Master Card, VR-Tech Marketing Group Auto Loans, VR-Tech Marketing Group My Care Plan and VR-Tech Marketing Group Ultra Score
Read the attached article and answer the following questions, chec.docxmakdul
Read the attached article and answer the following questions, check you calendar for due date:
1. Fully explain what steps are taken and how they determine a person's credit score?
2. Fully explain how and why insurance companies use your credit information?
3. Fully explain the Fair Credit Reporting Act and how it helps consumers?
4. Fully explain at least 3 things that you can do to strengthen your credit score? How does each help strengthen your score?
You should perform some additional research on your own to get a true background on the assignment. Remember to document your sources and state that it is your opinion if presenting that.
Need Credit or Insurance?
Your Credit Score Helps Determine What You’ll Pay
Information about you and your credit experi-
ences, like your bill-paying history, the number
and type of accounts you have, whether you pay
your bills by the date they’re due, collection actions,
outstanding debt, and the age of your accounts, is
collected from your credit report. Using a statisti-
cal program, creditors compare this information to
the loan repayment history
of consumers with similar
profiles. For example, a
credit scoring system awards
points for each factor that
helps predict who is most
likely to repay a debt. A
total number of points — a credit score — helps
predict how creditworthy you are — how likely it is
that you will repay a loan and make the payments
when they’re due.
Some insurance companies also use credit re-
port information, along with other factors, to help
predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider
these factors when they decide whether to grant
you insurance and the amount of the premium they
charge. The credit scores insurance companies use
sometimes are called “insurance scores” or “credit-
based insurance scores.”
July 2007
Ever wonder how a lender decides whether to grant you credit? For years, creditors have
been using credit scoring systems to determine if
you’d be a good risk for credit cards, auto loans,
and mortgages. These days, many more types of
businesses — including insurance companies and
phone companies — are using credit scores to decide
whether to approve you for a
loan or service and on what
terms. Auto and homeown-
ers insurance companies
are among the businesses
that are using credit scores
to help decide if you’d be a
good risk for insurance. A higher credit score means
you are likely less of a risk, and in turn, means you
will be more likely to get credit or insurance — or
pay less for it.
The Federal Trade Commission (FTC), the
nation’s consumer protection agency, wants you to
know how credit scoring works.
What is credit scoring?
Credit scoring is a system creditors use to help deter-
mine whether to give you credit. It also may be used
to help decide the terms you are offered or the rate
you will pay for the loan.
The FTC wants you to know
how credit sc ...
This insurance package was mailed to consumers to coincide with their birthday and positioned the life insurance product as a meaningful way their birthday "wish" can come true and that is, to protect their family's financial security.
Professional Liability Insurance Demystifiedntoscano50
Topics will include:
• Do you know the difference between Occurrence vs. Claims Made policies?
• Sexual Molestation/Abuse Coverage...Are you protected?
• HIPAA notices and Board Complaints...How to navigate
Understanding Your Credit Report and ScoreSpringboard
Information about what’s on a credit report, how it gets there, how a credit score is calculated, and how to develop good financial habits. Understanding credit and knowing where you stand are vital to protecting yourself from predatory lending by unqualified or unscrupulous lenders offering costly or unstable loan products.