Liberty Mutual Benefits
•
0 likes•183 views
This document provides contact information for Colette Bragg at Liberty Mutual Insurance and encourages contacting her or visiting the LibertyMutual.com website to learn more about insurance options for employers. It also notes that savings are averaged based on national samples and that discounts may vary by state depending on laws and applicant qualifications.
Report
Share
Report
Share
Download to read offline
Recommended
Itb Chap 20
The document discusses different types of insurance including vehicle, property, life, and health insurance. It covers topics such as auto insurance coverage including bodily injury liability, uninsured motorist protection, and collision insurance. Property insurance covers damage to homes and liability. Life insurance principles include selecting beneficiaries and types of policies like term and whole life. Health insurance provides coverage for hospital visits, medical care, and disability income if someone is injured. The document examines factors that influence the costs of various insurance policies and identifies common insurance providers.
All Products - Partner
This document summarizes various loan programs offered by New Penn Financial including:
- Agency programs like conventional loans up to 97% LTV, FHA loans with minimum 3.5% down, VA and USDA loans with 100% financing.
- Portfolio programs such as Jumbo Advantage loans up to $2 million with various LTV limits, Home Buyer Power program for first time buyers with debt-to-income up to 55%, and Home Key loans to help borrowers recovering from credit events with debt-to-income up to 50%.
- It encourages calling to learn more about New Penn's loan programs and provides contact information.
023_homerenovation_personalized
This document promotes HomeStyle renovation mortgages from Alterra Home Loans, which allow borrowers to finance both the acquisition and renovation costs of a home with a single loan and closing. The renovation mortgages can be used to fund kitchen and bathroom renovations, additions like rooms or pools, and up to six months of mortgage payments for non-occupancy during renovations. Contact information is provided for a branch manager to discuss turning dreams of home renovations into plans using these renovation mortgages.
Find instant quotes for auto insurance
This document discusses the importance of auto insurance in Louisiana and provides information about obtaining affordable auto insurance quotes from louisianaautoinsurance.org. The website gives free quotes from multiple insurance companies and lists the minimum required insurance coverage in Louisiana. It aims to help drivers get the cheapest insurance rates possible and ensure they follow state laws by obtaining auto insurance, even if they have already been in an accident. The site allows users to easily compare quotes and purchase an insurance plan tailored to their needs.
2.11 Introduction to Rapid Re-Housing for Families, Individuals, and Youth (L...
2.11 Introduction to Rapid Re-Housing for Families, Individuals, and Youth (L...National Alliance to End Homelessness
Rapid re-housing programs are reducing the length of time people reside in shelter before returning to housing in the community. This introductory workshop will provide an overview of the rapid re-housing approach for practitioners and local policymakers unfamiliar with the model. Housing search, landlord negotiation, rental assistance, and home-based case management service strategies will be reviewed.Be Positive That Acknowledge Debt Consolidation Financial Loans
Whilst safeguarding ZAT, the authorities also defended the passions of PGNiG. Nitrogen businesses us...
Robertson_LoanProducts-med
Caliber Home Loans is a full-service national lender that offers a growing range of home loan and refinancing options including loans insured by FHA, VA, and USDA, jumbo loans up to $2.5 million, and financing for new construction, second homes, and investment properties. Mark Robertson is a branch manager and loan advisor for Caliber Home Loans who can provide information on getting the lowest mortgage rates and saving money on home loans or refinances. Caliber's portfolio has increased over 73% in the last 12 months.
46308_termnow-client
This document provides information about Primerica's TermNow term life insurance policy. Some key details include:
- TermNow allows customers to receive acceptance of coverage within minutes by answering 7 basic questions without a medical exam or blood test.
- Primerica's life insurance companies insure over 4 million lives and pay out an average of $3 million in claims per day. They are rated A+ by A.M. Best, indicating a superior level of financial strength.
- TermNow policies offer benefits like guaranteed insurability to age 95, waiver of premium riders, and terms up to 35 years. They aim to provide affordable protection and customized solutions for families.
Recommended
Itb Chap 20
The document discusses different types of insurance including vehicle, property, life, and health insurance. It covers topics such as auto insurance coverage including bodily injury liability, uninsured motorist protection, and collision insurance. Property insurance covers damage to homes and liability. Life insurance principles include selecting beneficiaries and types of policies like term and whole life. Health insurance provides coverage for hospital visits, medical care, and disability income if someone is injured. The document examines factors that influence the costs of various insurance policies and identifies common insurance providers.
All Products - Partner
This document summarizes various loan programs offered by New Penn Financial including:
- Agency programs like conventional loans up to 97% LTV, FHA loans with minimum 3.5% down, VA and USDA loans with 100% financing.
- Portfolio programs such as Jumbo Advantage loans up to $2 million with various LTV limits, Home Buyer Power program for first time buyers with debt-to-income up to 55%, and Home Key loans to help borrowers recovering from credit events with debt-to-income up to 50%.
- It encourages calling to learn more about New Penn's loan programs and provides contact information.
023_homerenovation_personalized
This document promotes HomeStyle renovation mortgages from Alterra Home Loans, which allow borrowers to finance both the acquisition and renovation costs of a home with a single loan and closing. The renovation mortgages can be used to fund kitchen and bathroom renovations, additions like rooms or pools, and up to six months of mortgage payments for non-occupancy during renovations. Contact information is provided for a branch manager to discuss turning dreams of home renovations into plans using these renovation mortgages.
Find instant quotes for auto insurance
This document discusses the importance of auto insurance in Louisiana and provides information about obtaining affordable auto insurance quotes from louisianaautoinsurance.org. The website gives free quotes from multiple insurance companies and lists the minimum required insurance coverage in Louisiana. It aims to help drivers get the cheapest insurance rates possible and ensure they follow state laws by obtaining auto insurance, even if they have already been in an accident. The site allows users to easily compare quotes and purchase an insurance plan tailored to their needs.
2.11 Introduction to Rapid Re-Housing for Families, Individuals, and Youth (L...
2.11 Introduction to Rapid Re-Housing for Families, Individuals, and Youth (L...National Alliance to End Homelessness
Rapid re-housing programs are reducing the length of time people reside in shelter before returning to housing in the community. This introductory workshop will provide an overview of the rapid re-housing approach for practitioners and local policymakers unfamiliar with the model. Housing search, landlord negotiation, rental assistance, and home-based case management service strategies will be reviewed.Be Positive That Acknowledge Debt Consolidation Financial Loans
Whilst safeguarding ZAT, the authorities also defended the passions of PGNiG. Nitrogen businesses us...
Robertson_LoanProducts-med
Caliber Home Loans is a full-service national lender that offers a growing range of home loan and refinancing options including loans insured by FHA, VA, and USDA, jumbo loans up to $2.5 million, and financing for new construction, second homes, and investment properties. Mark Robertson is a branch manager and loan advisor for Caliber Home Loans who can provide information on getting the lowest mortgage rates and saving money on home loans or refinances. Caliber's portfolio has increased over 73% in the last 12 months.
46308_termnow-client
This document provides information about Primerica's TermNow term life insurance policy. Some key details include:
- TermNow allows customers to receive acceptance of coverage within minutes by answering 7 basic questions without a medical exam or blood test.
- Primerica's life insurance companies insure over 4 million lives and pay out an average of $3 million in claims per day. They are rated A+ by A.M. Best, indicating a superior level of financial strength.
- TermNow policies offer benefits like guaranteed insurability to age 95, waiver of premium riders, and terms up to 35 years. They aim to provide affordable protection and customized solutions for families.
Are You Confused About ObamaCare?
The document provides a summary of 10 key things to know about the upcoming health insurance marketplace and enrollment under the Affordable Care Act. It explains that nearly all Americans will be required to have health insurance starting in 2014 or pay a penalty. It outlines who is exempt from the mandate and details the financial assistance available for purchasing plans. It also provides information on pre-existing conditions, what income levels qualify for subsidies, and recommends preparing financially and gathering documents needed for enrollment.
BROKER GUIDE_rev06.14 Most Current
The document provides information about Brit Insurance's SIR Package product. The SIR Package provides excess insurance and reinsurance coverage for various types of property and casualty risks. It allows clients to self-insure claims up to certain retention amounts while transferring catastrophic loss risk. Coverage options include lines like property, auto, general liability, and workers' compensation. The SIR Package is a flexible product tailored for sectors such as public entities, schools, non-profits, and others. It aims to reward retention of small losses while protecting against large unexpected claims.
Arm 51 Revised Interest
Bridgeview Mortgage Corp is offering a new 5/1 ARM jumbo loan product for loans up to $4 million with no underwriting, application, mansion tax, New York mortgage tax, bank attorney, or appraisal fees. The 5/1 ARM has a rate of 3.25% for 5 years with 1 point origination fee. For a $3 million loan at 3.25% APR, the monthly payment would be $13,056.19. Rates are subject to credit approval and may increase after consummation.
Estate and Gift Tax Laws: New Rules - Dec. 2011
The document summarizes new rules for estate and gift taxes under legislation passed in December 2010. It outlines increases to the estate and gift tax exemption amounts to $5 million per person and $10 million per married couple. The top tax rate was lowered to 35%. Executors can elect to apply the new rules retroactively for those who died in 2010. Other changes include reunifying the estate and gift tax systems, and allowing portability of unused exemptions between spouses. However, the changes only apply through 2012 unless extended by Congress.
What Benefits Do You Have As A Veteran?
Veterans and eligible surviving spouses can qualify for VA home loans through approved lenders. VA loans have low or zero down payment requirements and other benefits. Widows must have a spouse who died in service or from a service-related disability to qualify. Since 1944, the VA has guaranteed over 20 million home loans for veterans and their families through this program.
Australia Elects a New Federal Government
Tony Abbott and the conservative National Liberal Coalition secured a landslide victory over the Labor party in Australia's federal election. Abbott stated that Australia is now "under new management and open for business." The Coalition is expected to focus on economic policy, including repealing the carbon tax, increasing infrastructure spending, returning the budget to surplus, and abandoning Labor's emissions trading policy in favor of a direct action climate plan. Julie Bishop will remain as Australian ambassador to the United States, and Kevin Rudd has stepped down as Labor leader.
Legal Copywriting Sample
South Jersey Marketing Law is a full-service law firm specializing in DUI/DWI, medical malpractice, white-collar crime, and whistleblower defense cases. The firm has over 30 years of experience and is respected in the NJ/PA/DE region. The document discusses recent changes to Maryland's DWI/DUI laws under Senate Bill 87, which imposes harsher penalties for repeat offenders. These new penalties under Bill 87 are now in effect during the holiday season.
Mortgage Protection Americo
1) The document discusses two mortgage life insurance products - Home Mortgage Series and LifeTerm Series - that provide coverage for death, disability, critical illness, and involuntary unemployment to help protect families and pay off mortgages if something were to happen to the homeowner.
2) It provides statistics on the likelihood of death or disability before paying off a 30-year mortgage to demonstrate the need for this type of coverage.
3) Optional riders can provide additional benefits like waiving premiums if the homeowner becomes disabled or involuntarily unemployed, or returning all premiums paid if coverage is never used.
Reg Z Changes Ppt
New changes to Truth in Lending and Good Faith Estimates and How it effects Real Estate Closings brought to you by Rob Alley of Keller Williams Charlottesville and Mike Platt of Prospect Mortgage.
Highways
Americans are driving less which is causing gas tax revenues that fund the Highway Trust Fund to decline, putting the fund at risk of insolvency according to reports from the Federal Highway Administration, IRS and CBO.
Florida Title Loan Regulations
Florida permits title loans and regulates lenders under statute 537. Borrowers have rights such as refusing partial payments and prohibiting insurance sales or prepayment penalties. Lenders must allow 30 days to repay at interest rates capped at 30% for loans under $2,000. If loans are unpaid, lenders can repossess vehicles and sell them to recover costs, notifying borrowers beforehand. Excess sale proceeds must be given to borrowers within 30 days. Local ordinances may impose additional regulations.
Gr8 Life Campbell
Life insurance and annuity products are issued by The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation. Securities are distributed by Ohio National Equities, Inc. Product availability and features vary by state and the companies are not licensed in AK, HI, and NY. Guarantees are based on the claims-paying ability of the issuer and dividends are not guaranteed. The document promotes Ohio National's whole life insurance, universal life insurance, term life insurance, and annuity products. It notes Ohio National's competitive pricing and internal rates of return compared to other companies.
Lower My Mortage
The document discusses a government plan to help homeowners lower their mortgages that will have limited impact due to rigid eligibility criteria. To qualify, homeowners must have loans through Fannie Mae or Freddie Mac, owe less than 105% of the home's value, use the home as their primary residence, have any second mortgages subordinate to the first, and have a debt ratio below 31%. These strict rules exclude many homeowners in the greatest need of assistance. The document recommends homeowners hire a licensed mortgage broker or debt specialist to negotiate directly with lenders to avoid foreclosure.
How Much Does a Bail Bond Cost?
Bailing someone out of jail isn't something most people do every day and it isn't something you plan for. Let us help you!
https://badboysbailbondsutah.com/how-much-does-a-bail-bond-cost
Having insurance now more important than ever
Sam was in court the other day, and while waiting for his case to get called, he watched a woman who was cited for driving without insurance talk to the judge.
More info:
http://www.westhillinsuranceconsulting.com/learn.html
http://www.youtube.com/user/westhillconsultingIn
Impact on Employers of the NJ Civil Union Law, February 21, 2007
The document discusses the impact of New Jersey's Civil Union Law on employers. It notes that the law extends marriage rights like benefits, privileges, and obligations to same-sex couples in civil unions, but conflicts with federal law which does not recognize civil unions. This may lead to litigation around providing health care benefits to civil union partners. The law amends several state laws around benefits, but federal laws like FMLA and COBRA still only apply to spouses, not civil union partners. Employers may voluntarily provide comparable benefits but this raises tax implications.
How Obamacare Health Subsidies Will Work - Are You Confused About Obamacare?
http://AIADirectQuote.com How ObamaCare Health Insurance Subsidies Will Work. Heather Loughlin is seen on Monday, May 9, 2011 in Montpelier, Vt. Loughlin was working as a vice president at the Sugarbush ski resort when she was diagnosed with multiple sclerosis. Before long, she found herself no longer able to work and buying insurance with a subsidy from the state under a current program but with a private insurer. (Toby Talbot/AP Photo)
Beginning in 2014, enormous insurance premium subsidies and payment supports will be available under the Affordable Care Act (ACA) to millions of lower-income individuals and families. While Obamacare could always be overturned before then, the law has been upheld as constitutional by the U.S. Supreme Court. And short of historic landslide victories in this November's elections by the law's largely Republican opponents, changing major aspects of it will be difficult.
Auto / Home Insurance Program
This document outlines an insurance program being proposed by Oegema, Nicholson & Associates Insurance Brokers Ltd. for members of the Foster Parents Society of Ontario (FPSO). The program would provide competitive auto and property insurance rates through Waterloo Insurance Company. Benefits for FPSO include no cost or administration, while benefits for members include discounts of up to 60%, convenient payment options, and superior claims service. The document reviews coverage details and discounts for auto, property, and additional insurance policies. Contact information is provided for Cathy Luciano to obtain additional details or policy quotations.
MBA Compliance Essentials Successor-In-Interest State Report - California
This document provides information about successor-in-interest requirements in California. It discusses that under the CFPB rules, a successor-in-interest is a person to whom ownership of a property securing a mortgage loan is transferred from the original borrower. The document outlines 5 categories of transfers that would make someone a successor-in-interest. It provides a matrix to guide servicers on what documents to request to confirm someone's status as a successor-in-interest in California in a reasonable manner consistent with state law. The matrix is intended to help servicers comply with both the CFPB rules and relevant California law on successors-in-interest.
What is a Title Loan? (Answered)
Title loans are short term loans that uses your car's title as collateral. Learn how to use them wisely and avoid repossession.
Jim Juce FG PSIUL 500pm _ 1200 _ 1500 (b_a) a65.pdf
This document provides an illustration of a life insurance policy for Jim Juce. It summarizes key details of the F&G Pathsetter Universal Life Insurance policy, including a death benefit of $310,710, optional riders, and a monthly premium of $500. The policy will provide a death benefit if the insured passes away while the policy is in effect, though the payment will be reduced by any outstanding loans or withdrawals. The illustration also outlines details such as no-lapse premium amounts, death benefit options, partial withdrawals, and loan options.
Sbwire 532387
The document discusses various ways consumers can potentially save money on their auto insurance through discounts offered by insurers. It notes that insurers may offer discounts for things like daytime running lights, low annual mileage under 5,000 miles, anti-theft devices, newer vehicles less than 3 years old, and maintaining a good credit history. Maintaining excellent credit can potentially reduce insurance premiums by up to 65% compared to those with no credit history, though credit impacts premium costs more in some states than others. The document encourages consumers to check their credit reports for accuracy and shop around to find the best rates from insurers offering relevant discounts.
More Related Content
What's hot
Are You Confused About ObamaCare?
The document provides a summary of 10 key things to know about the upcoming health insurance marketplace and enrollment under the Affordable Care Act. It explains that nearly all Americans will be required to have health insurance starting in 2014 or pay a penalty. It outlines who is exempt from the mandate and details the financial assistance available for purchasing plans. It also provides information on pre-existing conditions, what income levels qualify for subsidies, and recommends preparing financially and gathering documents needed for enrollment.
BROKER GUIDE_rev06.14 Most Current
The document provides information about Brit Insurance's SIR Package product. The SIR Package provides excess insurance and reinsurance coverage for various types of property and casualty risks. It allows clients to self-insure claims up to certain retention amounts while transferring catastrophic loss risk. Coverage options include lines like property, auto, general liability, and workers' compensation. The SIR Package is a flexible product tailored for sectors such as public entities, schools, non-profits, and others. It aims to reward retention of small losses while protecting against large unexpected claims.
Arm 51 Revised Interest
Bridgeview Mortgage Corp is offering a new 5/1 ARM jumbo loan product for loans up to $4 million with no underwriting, application, mansion tax, New York mortgage tax, bank attorney, or appraisal fees. The 5/1 ARM has a rate of 3.25% for 5 years with 1 point origination fee. For a $3 million loan at 3.25% APR, the monthly payment would be $13,056.19. Rates are subject to credit approval and may increase after consummation.
Estate and Gift Tax Laws: New Rules - Dec. 2011
The document summarizes new rules for estate and gift taxes under legislation passed in December 2010. It outlines increases to the estate and gift tax exemption amounts to $5 million per person and $10 million per married couple. The top tax rate was lowered to 35%. Executors can elect to apply the new rules retroactively for those who died in 2010. Other changes include reunifying the estate and gift tax systems, and allowing portability of unused exemptions between spouses. However, the changes only apply through 2012 unless extended by Congress.
What Benefits Do You Have As A Veteran?
Veterans and eligible surviving spouses can qualify for VA home loans through approved lenders. VA loans have low or zero down payment requirements and other benefits. Widows must have a spouse who died in service or from a service-related disability to qualify. Since 1944, the VA has guaranteed over 20 million home loans for veterans and their families through this program.
Australia Elects a New Federal Government
Tony Abbott and the conservative National Liberal Coalition secured a landslide victory over the Labor party in Australia's federal election. Abbott stated that Australia is now "under new management and open for business." The Coalition is expected to focus on economic policy, including repealing the carbon tax, increasing infrastructure spending, returning the budget to surplus, and abandoning Labor's emissions trading policy in favor of a direct action climate plan. Julie Bishop will remain as Australian ambassador to the United States, and Kevin Rudd has stepped down as Labor leader.
Legal Copywriting Sample
South Jersey Marketing Law is a full-service law firm specializing in DUI/DWI, medical malpractice, white-collar crime, and whistleblower defense cases. The firm has over 30 years of experience and is respected in the NJ/PA/DE region. The document discusses recent changes to Maryland's DWI/DUI laws under Senate Bill 87, which imposes harsher penalties for repeat offenders. These new penalties under Bill 87 are now in effect during the holiday season.
Mortgage Protection Americo
1) The document discusses two mortgage life insurance products - Home Mortgage Series and LifeTerm Series - that provide coverage for death, disability, critical illness, and involuntary unemployment to help protect families and pay off mortgages if something were to happen to the homeowner.
2) It provides statistics on the likelihood of death or disability before paying off a 30-year mortgage to demonstrate the need for this type of coverage.
3) Optional riders can provide additional benefits like waiving premiums if the homeowner becomes disabled or involuntarily unemployed, or returning all premiums paid if coverage is never used.
Reg Z Changes Ppt
New changes to Truth in Lending and Good Faith Estimates and How it effects Real Estate Closings brought to you by Rob Alley of Keller Williams Charlottesville and Mike Platt of Prospect Mortgage.
Highways
Americans are driving less which is causing gas tax revenues that fund the Highway Trust Fund to decline, putting the fund at risk of insolvency according to reports from the Federal Highway Administration, IRS and CBO.
Florida Title Loan Regulations
Florida permits title loans and regulates lenders under statute 537. Borrowers have rights such as refusing partial payments and prohibiting insurance sales or prepayment penalties. Lenders must allow 30 days to repay at interest rates capped at 30% for loans under $2,000. If loans are unpaid, lenders can repossess vehicles and sell them to recover costs, notifying borrowers beforehand. Excess sale proceeds must be given to borrowers within 30 days. Local ordinances may impose additional regulations.
Gr8 Life Campbell
Life insurance and annuity products are issued by The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation. Securities are distributed by Ohio National Equities, Inc. Product availability and features vary by state and the companies are not licensed in AK, HI, and NY. Guarantees are based on the claims-paying ability of the issuer and dividends are not guaranteed. The document promotes Ohio National's whole life insurance, universal life insurance, term life insurance, and annuity products. It notes Ohio National's competitive pricing and internal rates of return compared to other companies.
Lower My Mortage
The document discusses a government plan to help homeowners lower their mortgages that will have limited impact due to rigid eligibility criteria. To qualify, homeowners must have loans through Fannie Mae or Freddie Mac, owe less than 105% of the home's value, use the home as their primary residence, have any second mortgages subordinate to the first, and have a debt ratio below 31%. These strict rules exclude many homeowners in the greatest need of assistance. The document recommends homeowners hire a licensed mortgage broker or debt specialist to negotiate directly with lenders to avoid foreclosure.
How Much Does a Bail Bond Cost?
Bailing someone out of jail isn't something most people do every day and it isn't something you plan for. Let us help you!
https://badboysbailbondsutah.com/how-much-does-a-bail-bond-cost
Having insurance now more important than ever
Sam was in court the other day, and while waiting for his case to get called, he watched a woman who was cited for driving without insurance talk to the judge.
More info:
http://www.westhillinsuranceconsulting.com/learn.html
http://www.youtube.com/user/westhillconsultingIn
Impact on Employers of the NJ Civil Union Law, February 21, 2007
The document discusses the impact of New Jersey's Civil Union Law on employers. It notes that the law extends marriage rights like benefits, privileges, and obligations to same-sex couples in civil unions, but conflicts with federal law which does not recognize civil unions. This may lead to litigation around providing health care benefits to civil union partners. The law amends several state laws around benefits, but federal laws like FMLA and COBRA still only apply to spouses, not civil union partners. Employers may voluntarily provide comparable benefits but this raises tax implications.
How Obamacare Health Subsidies Will Work - Are You Confused About Obamacare?
http://AIADirectQuote.com How ObamaCare Health Insurance Subsidies Will Work. Heather Loughlin is seen on Monday, May 9, 2011 in Montpelier, Vt. Loughlin was working as a vice president at the Sugarbush ski resort when she was diagnosed with multiple sclerosis. Before long, she found herself no longer able to work and buying insurance with a subsidy from the state under a current program but with a private insurer. (Toby Talbot/AP Photo)
Beginning in 2014, enormous insurance premium subsidies and payment supports will be available under the Affordable Care Act (ACA) to millions of lower-income individuals and families. While Obamacare could always be overturned before then, the law has been upheld as constitutional by the U.S. Supreme Court. And short of historic landslide victories in this November's elections by the law's largely Republican opponents, changing major aspects of it will be difficult.
Auto / Home Insurance Program
This document outlines an insurance program being proposed by Oegema, Nicholson & Associates Insurance Brokers Ltd. for members of the Foster Parents Society of Ontario (FPSO). The program would provide competitive auto and property insurance rates through Waterloo Insurance Company. Benefits for FPSO include no cost or administration, while benefits for members include discounts of up to 60%, convenient payment options, and superior claims service. The document reviews coverage details and discounts for auto, property, and additional insurance policies. Contact information is provided for Cathy Luciano to obtain additional details or policy quotations.
MBA Compliance Essentials Successor-In-Interest State Report - California
This document provides information about successor-in-interest requirements in California. It discusses that under the CFPB rules, a successor-in-interest is a person to whom ownership of a property securing a mortgage loan is transferred from the original borrower. The document outlines 5 categories of transfers that would make someone a successor-in-interest. It provides a matrix to guide servicers on what documents to request to confirm someone's status as a successor-in-interest in California in a reasonable manner consistent with state law. The matrix is intended to help servicers comply with both the CFPB rules and relevant California law on successors-in-interest.
What is a Title Loan? (Answered)
Title loans are short term loans that uses your car's title as collateral. Learn how to use them wisely and avoid repossession.
What's hot (20)
Impact on Employers of the NJ Civil Union Law, February 21, 2007
Impact on Employers of the NJ Civil Union Law, February 21, 2007
How Obamacare Health Subsidies Will Work - Are You Confused About Obamacare?
How Obamacare Health Subsidies Will Work - Are You Confused About Obamacare?
MBA Compliance Essentials Successor-In-Interest State Report - California
MBA Compliance Essentials Successor-In-Interest State Report - California
Similar to Liberty Mutual Benefits
Jim Juce FG PSIUL 500pm _ 1200 _ 1500 (b_a) a65.pdf
This document provides an illustration of a life insurance policy for Jim Juce. It summarizes key details of the F&G Pathsetter Universal Life Insurance policy, including a death benefit of $310,710, optional riders, and a monthly premium of $500. The policy will provide a death benefit if the insured passes away while the policy is in effect, though the payment will be reduced by any outstanding loans or withdrawals. The illustration also outlines details such as no-lapse premium amounts, death benefit options, partial withdrawals, and loan options.
Sbwire 532387
The document discusses various ways consumers can potentially save money on their auto insurance through discounts offered by insurers. It notes that insurers may offer discounts for things like daytime running lights, low annual mileage under 5,000 miles, anti-theft devices, newer vehicles less than 3 years old, and maintaining a good credit history. Maintaining excellent credit can potentially reduce insurance premiums by up to 65% compared to those with no credit history, though credit impacts premium costs more in some states than others. The document encourages consumers to check their credit reports for accuracy and shop around to find the best rates from insurers offering relevant discounts.
Consolidated Omnibus Budget Reconciliation Act - Provision under the American...
Provides a basic understanding of COBRA and the new provision set forth under the American Recovery and Reinvestment Act of 2009.
Healthcare Reform Readiness - Patient Enrollment & Navigator Strategies
This document provides information about patient enrollment strategies and navigator programs to help enroll uninsured individuals in health insurance plans. It discusses the role of navigators in educating patients and connecting them to coverage options. The document outlines accountability for enrolling consumers and ensuring they receive the best coverage that meets their needs. It also provides details on a navigator organization's strategy of partnering with hospitals to enroll uninsured patients at the point of care when they are most receptive.
Highlights from the 54th Annual Heckerling Institute on Estate Planning
Fulcrum Partners LLC is one of the largest executive benefits consultancies in the US with 13 nationwide offices and over $7B in assets under management. This document summarizes highlights from the 54th Annual Heckerling Institute on Estate Planning, including legal developments concerning life insurance trusts, considerations for migratory clients, and modern uses of grantor and non-grantor trusts to meet clients' evolving needs.
Saylor URL httpwww.saylor.orgbooks Saylor.org 839 .docx
Saylor URL: http://www.saylor.org/books Saylor.org
839
Chapter 18
Consumer Credit Transactions
L E A R N I N G O B J E C T I V E S
Chapter 18 from Advanced Business Law and the Legal Environment was adapted
by The Saylor Foundation under a Creative Commons Attribution-NonCommercial-ShareAlike 3.0
license without attribution as requested by the work’s original creator or licensee. © 2014, The Saylor Foundation.
http://www.saylor.org/site/textbooks/Advanced%20Business%20Law%20and%20the%20Legal%20Environment.pdf
http://creativecommons.org/licenses/by-sa/3.0/
Saylor URL: http://www.saylor.org/books Saylor.org
840
After reading this chapter, you should understand the following:
1. How consumers enter into credit transactions and what protections they are
afforded when they do
2. What rights consumers have after they have entered into a consumer
transaction
3. What debt collection practices third-party collectors may pursue
This chapter and the three that follow are devoted to debtor-creditor relations. In this chapter, we focus
on the consumer credit transaction.Chapter 19 "Secured Transactions and Suretyship" and Chapter 20
"Mortgages and Nonconsensual Liens" explore different types of security that a creditor might
require. Chapter 21 "Bankruptcy"examines debtors’ and creditors’ rights under bankruptcy law.
The amount of consumer debt, or household debt, owed by Americans to mortgage lenders, stores,
automobile dealers, and other merchants who sell on credit is difficult to ascertain. One reads that the
average household credit card debt (not including mortgages, auto loans, and student loans) in 2009 was
almost $16,000. [1] Or maybe it was $10,000. [2] Or maybe it was $7,300. [3] But probably focusing on
the average household debt is not very helpful: 55 percent of households have no credit card debt at all,
and the median debt is $1,900. [4]
In 2007, the total household debt owed by Americans was $13.3 trillion, according to the Federal Reserve
Board. That is really an incomprehensible number: suffice it to say, then, that the availability of credit is
an important factor in the US economy, and not surprisingly, a number of statutes have been enacted over
the years to protect consumers both before and after signing credit agreements.
The statutes tend to fall within three broad categories. First, several statutes are especially important
when a consumer enters into a credit transaction. These include laws that regulate credit costs, the credit
application, and the applicant’s right to check a credit record. Second, after a consumer has contracted for
credit, certain statutes give a consumer the right to cancel the contract and correct billing mistakes. Third,
if the consumer fails to pay a debt, the creditor has several traditional debt collection remedies that today
are tightly regulated by the government.
[1] Ben Woolsey and Matt Schulz, Credit Card Statistics, Industry .
Plain English Mortgage Guide
The document provides an overview of the mortgage industry, including the different types of mortgage companies, loan products, and eligibility requirements. It summarizes the key aspects of conventional loans, FHA loans, VA loans, VHDA loans, USDA loans, and niche programs. The document aims to help readers gain a basic understanding of home mortgages and how to work with a mortgage lender to find the best financing options.
CV Brochure - FINAL - 201307
Coverage Verifier provides comprehensive underwriting reports that detail an applicant's insurance coverage history over the past 5 years. The reports include policy-level details like carriers, coverage dates, drivers, vehicles, claims history, and policy changes to help underwriters make better risk assessment decisions. Underwriters gain a holistic view of risk factors to appropriately rate applications and identify potential lapses in coverage.
New Estate Tax Law Brings Many Changes!
The Tax Relief Act of 2010 made significant temporary changes to estate, gift, and generation-skipping transfer tax laws through 2012. It established a $5 million exemption and 35% rate for these taxes. It also allows portability of exemption amounts between spouses and modified carry-over basis rules instead of estate tax for those who passed away in 2010. Estate planning professionals should be consulted to determine if existing plans need updates due to these new temporary laws.
Mortgage insurance premiums are increasing
Canada Mortgage and Housing Corporation announced that mortgage insurance premiums will increase effective May 2014. This will affect borrowers purchasing a home with less than 20% downpayment, as they will have to pay higher insurance premiums. The premiums are increasing by an average of 15% and are paid as a one-time percentage of the total mortgage amount. According to examples provided, a borrower with a 5% downpayment on a $100,000 home would see their premium increase from $2,613 to $2,993, with only a $2 increase to their monthly payments. The small impact on affordability makes these changes minor compared to what could have been implemented.
ALTA Steps Up Anti-consumer Rhetoric.docx
iTitleTransfer Introduces Anti-Monopoly and Pro-Costumer Choice "Alternative to Title Insurance" for a Third of the Closing Cost, Authorized by Fannie Mae and Freddie Mac, utilizing Real Estate Attorney Opinion Letters.
AMI-395-12-16-NR Loan Originator Booklet
This document provides information for mortgage loan originators about mortgage insurance (MI) from Arch MI. It includes:
- An overview of MI and how it can increase buying power for borrowers by allowing lower down payments.
- Details on Arch MI's EZ Decisioning program which provides streamlined underwriting for certain loans.
- A comparison showing how Arch MI's MI premiums and costs compare favorably against FHA insurance.
- Requirements and guidelines for MI coverage levels from Fannie Mae and Freddie Mac.
- What documentation is required for delegated and non-delegated MI submissions to Arch MI.
The document serves as a resource for loan originators on the
Chapter 15
This document provides information about insurance companies, including life insurance companies and property-casualty insurance companies. It discusses the primary functions of insurance companies, types of insurance policies, major assets and liabilities of life and property-casualty insurers, regulation of the insurance industry, and recent trends in underwriting ratios for property-casualty insurers. It also provides examples of calculating annuity payments and analyzes balance sheets and financial ratios of life and property-casualty insurers.
NAMICCongressionalTestimony2003
This document is the statement of the National Association of Mutual Insurance Companies submitted to the US Senate Committee on Commerce, Science & Transportation regarding federal involvement in insurance regulation. It argues that a reformed system of state regulation is superior to federal regulation for the following reasons: states understand local needs better; federal regulation could impose unwanted social policies; and a federal system would increase costs and bureaucracy without clear benefits for consumers. The document advocates for reforms to state regulation, especially related to rate-setting, to create a more competitive, consistent system that benefits both consumers and the insurance industry.
DouglasKatz_Community_Heroes_Program
The Community Heroes Mortgage Program offers a $500 closing cost credit for educators, emergency and medical professionals, firefighters, law enforcement, military and veterans, and union members who obtain a home loan through The Federal Savings Bank. The credit is available for purchase and refinance of FHA and conventional loans in all 50 states. Applicants must close and fund their loan by January 18, 2017 to receive the credit. Contact information is provided for Douglas Katz, the vice president handling the program.
PIP & Personal Injury Seminar.pdf
Fischetti Law Group is here to provide you with the legal guidance and resources needed for a variety of practice areas, no matter what happened. Our experienced professionals are qualified in a range of services, from car accidents to nursing home abuse, personal injury protection payouts, and homeowners insurance claims. Rest assured that your case will be handled by an expert. Take advantage of our broad list of services today!
Our attorneys primarily litigate cases related to homeowner’s insurance claims, personal injury protection (PIP), insurance claims, and bodily injury and/or harm caused by negligence. This includes car accidents, nursing home abuse, and slip-and-fall accidents. If you’re not sure if we can help you with your case, contact us today to find out more information. We’re available every Monday through Friday from 8:30 am to 6:00 pm. We can also schedule a time to meet with you on the weekends if that’s preferred.
Our present locations include Fort Pierce Attorney Office (satellite offices) and Boynton Beach Florida Attorney Office (central hub and primary office location). However, we’ve taken cases throughout the entire state of Florida.
Understanding the National Mortgage Settlement Act
This presentation gives a summary of the National Mortgage Settlement Act, including key provisions of the Act and how it has benefited affected borrowers.
InKnowVision July 2013 HNW Technical PPT - Split Dollar
This concept, which most people thought went away ten years ago with changes in the law, is still a very vibrant technique. Pair it with several other techniques for high net worth clients and you have a powerful solution for wealth transfer.
Join us as we look at some of the simple strategies for bringing this particular technique to life and learn how to present it to your clients and planning partners as a significant solution in the wealth transfer arena.
Fha Loans Ppt
The document provides an overview of various FHA loan programs offered through Affinity Lending Group including standard FHA, FHA jumbo, FHA streamline, and FHA secure programs. It outlines eligibility guidelines, underwriting guidelines, and other details of the programs. Affinity Lending Group has been assisting first-time homebuyers and those needing down payment assistance since 2003 through these FHA loan options.
Oklahoma's farm loans
Oklahoma's farm loans are quite famous and they render loan to farmers, ranchers and to rural home owners. One can began its search by first exploring government's agricultural departments site as all the basic information related to farm loans is available over there.
Similar to Liberty Mutual Benefits (20)
Jim Juce FG PSIUL 500pm _ 1200 _ 1500 (b_a) a65.pdf
Jim Juce FG PSIUL 500pm _ 1200 _ 1500 (b_a) a65.pdf
Consolidated Omnibus Budget Reconciliation Act - Provision under the American...
Consolidated Omnibus Budget Reconciliation Act - Provision under the American...
Healthcare Reform Readiness - Patient Enrollment & Navigator Strategies
Healthcare Reform Readiness - Patient Enrollment & Navigator Strategies
Highlights from the 54th Annual Heckerling Institute on Estate Planning
Highlights from the 54th Annual Heckerling Institute on Estate Planning
Saylor URL httpwww.saylor.orgbooks Saylor.org 839 .docx
Saylor URL httpwww.saylor.orgbooks Saylor.org 839 .docx
Understanding the National Mortgage Settlement Act
Understanding the National Mortgage Settlement Act
InKnowVision July 2013 HNW Technical PPT - Split Dollar
InKnowVision July 2013 HNW Technical PPT - Split Dollar
Liberty Mutual Benefits
- 2. To learn more, contact me or visit LibertyMutual.com/employers Colette Bragg 18927 Hickory Creek Drive Mokena, IL 60448 708-429-4530 Ext. 56932 Colette.Bragg@libertymutual.com 1 Average savings figure based on a February 2010 national sample comparing premium of those in Liberty Mutual’s group auto and home program with premium of prior carrier. Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Bostom, MA. ©2010 Liberty Mutual Insurance Company. All rights reserved. 2 Arkansas auto rates guaranteed for six months. 3 For employer groups of 100+ employees.