QuickClose is a program by Massachusetts Mutual Life Insurance Company that provides expedited underwriting and policy issuance for business loans requiring life insurance as collateral, allowing lenders to close loans faster. It offers term life, universal life, whole life, and variable life insurance options with turnaround times of 7-10 business days. Lenders benefit from being able to close loans more quickly while borrowers have access to high-quality, affordable life insurance without additional costs.
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteer work. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
The Federal Housing Administration (FHA) announced in Mortgagee Letter 2017-07 that the previously announced reduction in annual mortgage insurance premiums has been suspended indefinitely. The FHA will issue a subsequent Mortgagee Letter if the policy changes in the future. For now, current mortgage insurance premiums will remain in effect.
Beal Jacksonville Invitation March 29, 2016 new versionBurt Beal
This document invites attendees to an informational meeting about Social Security benefit options and how they may influence retirement decisions. The meeting will help attendees make informed decisions about their Social Security benefits and how to supplement their retirement income. Topics will include maximizing Social Security income for individuals and spouses, the impact of starting benefits before full retirement age, and strategies to reduce taxation of Social Security benefits. The meeting will be held on March 29th at noon or 6pm at Mitchell's Fish Market in Jacksonville, Florida. Space is limited so RSVPs are requested.
BB&T offers financial services and expertise to help medical practices with operations, cash flow, employee benefits, technology updates, risk protection, and retirement planning. Their relationship managers provide customized solutions including banking, financing, insurance, and wealth management. Medical practices can simplify operations and gain efficiency through a single point of contact at BB&T.
This document summarizes the staff and services of Doncaster Insurance and Financial Services. It introduces the three advisors - Tom, Kevin, and Jonathan Doncaster - and describes their backgrounds. It also mentions Alice Doncaster and Gina Jamieson who handle customer service and administration. The firm provides life, health, disability, and long term care insurance as well as investment and advisory services. It outlines the process of initial interviews, data gathering, analysis, presentations, and periodic reviews. The firm utilizes traditional, alternative, and tactical investment strategies including third party asset management and insurance contracts to protect clients' portfolios during retirement.
Beneplan is an employee benefits co-operative representing tens of thousands of Canadians. Members receive premium refunds when their claims are low. To learn more, visit beneplan.ca.
Term Life Insurance: The simplest form of Life coverage, term insurance is no more than a matter of premiums and a death benefit. The name fits since term insurance\'s span of coverage lasts only a specified period of time; if the insured dies while the policy is in force, the death benefit will be paid to the designated beneficiary.
Why should companies consider captive programs to address insurance needs? Alan Fine, member in charge of the captive insurance advisory services practice at Brown Smith Wallace, and Bill Goddard, principal in the captive insurance advisory services practice, discuss the August 28 Missouri captive insurance company legislation and what it changes for the formation of captives.
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteer work. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
The Federal Housing Administration (FHA) announced in Mortgagee Letter 2017-07 that the previously announced reduction in annual mortgage insurance premiums has been suspended indefinitely. The FHA will issue a subsequent Mortgagee Letter if the policy changes in the future. For now, current mortgage insurance premiums will remain in effect.
Beal Jacksonville Invitation March 29, 2016 new versionBurt Beal
This document invites attendees to an informational meeting about Social Security benefit options and how they may influence retirement decisions. The meeting will help attendees make informed decisions about their Social Security benefits and how to supplement their retirement income. Topics will include maximizing Social Security income for individuals and spouses, the impact of starting benefits before full retirement age, and strategies to reduce taxation of Social Security benefits. The meeting will be held on March 29th at noon or 6pm at Mitchell's Fish Market in Jacksonville, Florida. Space is limited so RSVPs are requested.
BB&T offers financial services and expertise to help medical practices with operations, cash flow, employee benefits, technology updates, risk protection, and retirement planning. Their relationship managers provide customized solutions including banking, financing, insurance, and wealth management. Medical practices can simplify operations and gain efficiency through a single point of contact at BB&T.
This document summarizes the staff and services of Doncaster Insurance and Financial Services. It introduces the three advisors - Tom, Kevin, and Jonathan Doncaster - and describes their backgrounds. It also mentions Alice Doncaster and Gina Jamieson who handle customer service and administration. The firm provides life, health, disability, and long term care insurance as well as investment and advisory services. It outlines the process of initial interviews, data gathering, analysis, presentations, and periodic reviews. The firm utilizes traditional, alternative, and tactical investment strategies including third party asset management and insurance contracts to protect clients' portfolios during retirement.
Beneplan is an employee benefits co-operative representing tens of thousands of Canadians. Members receive premium refunds when their claims are low. To learn more, visit beneplan.ca.
Term Life Insurance: The simplest form of Life coverage, term insurance is no more than a matter of premiums and a death benefit. The name fits since term insurance\'s span of coverage lasts only a specified period of time; if the insured dies while the policy is in force, the death benefit will be paid to the designated beneficiary.
Why should companies consider captive programs to address insurance needs? Alan Fine, member in charge of the captive insurance advisory services practice at Brown Smith Wallace, and Bill Goddard, principal in the captive insurance advisory services practice, discuss the August 28 Missouri captive insurance company legislation and what it changes for the formation of captives.
Bipartisan Letter to Treasury asking for PPP Loan Forgiveness FlexibilityGeorge Benaroya
Spanberger, Gallagher, Gottheimer Lead Bipartisan Effort Pressing SBA and Treasury Department to Improve PPP Loan Forgiveness Flexibility for Small Businesses, Provide Additional Guidance on Rehiring; In a Letter Sent to SBA Administrator Carranza and Treasury Secretary Mnuchin Alongside Seven of their Colleagues, the Members Called for the Administration to Take Immediate Steps to Address Burdensome Restrictions on Small Businesses Seeking Loan Forgiveness through the SBA's Paycheck Protection Program
Spanberger, Gallagher, Gottheimer Lead Bipartisan Effort Pressing SBA and Treasury Department to Improve PPP Loan Forgiveness Flexibility for Small Businesses, Provide Additional Guidance on Rehiring; In a Letter Sent to SBA Administrator Carranza and Treasury Secretary Mnuchin Alongside Seven of their Colleagues, the Members Called for the Administration to Take Immediate Steps to Address Burdensome Restrictions on Small Businesses Seeking Loan Forgiveness through the SBA's Paycheck Protection Program; Rep. Abigail Spanberger (D-VA) News Release
This document discusses long-term care insurance and its role in financial planning. Long-term care insurance helps protect savings and assets from the high costs of long-term care services such as home health care, assisted living, or nursing home care. It allows people to receive care they need and maintain their independence. The document outlines what long-term care involves, who may need it, potential costs, and how insurance can help pay for services to receive care in different settings. It emphasizes considering long-term care insurance now while a person is younger and likely to qualify for coverage at an affordable rate.
BB&T offers financial services and expertise to help veterinary businesses with day-to-day operations, cash flow, employee benefits, technology updates, business protection, and retirement planning. Their relationship managers can provide customized solutions like streamlining operations, online banking, financing, and insurance. BB&T aims to help veterinary businesses succeed and spend less time on routine tasks so they can focus on patient care.
COUNTRY Financial provides insurance and financial services to protect homes, cars, businesses, and lives from the unexpected, and help plan for retirement, children's education, and financial goals. Their products include auto, home, life, disability, long-term care, business, and retirement insurance as well as education funding and investment options. Customers can get a plan customized for their needs and priorities to gain financial security and peace of mind.
Captive insurance companies (CICs) provide significant benefits to businesses. CICs allow businesses to customize their insurance plans to better match their specific risks and needs. They also provide tax benefits as premiums paid to a CIC are fully tax deductible. Additionally, CICs can elect to receive up to $1.2 million in insurance premium income tax-free each year. Finally, CICs can be structured to provide estate planning benefits by transferring the value of the CIC to descendants without gift, estate or generation-skipping transfer taxes. In summary, CICs provide customized insurance coverage, tax benefits, and potential estate planning advantages for businesses.
The document provides information about new medical insurance laws and how they may affect small businesses. It discusses potential costs to businesses if they do not provide health insurance to employees. It also offers services like merchant cash advances, payroll processing, and group health insurance to help businesses address costs from the new laws. The document encourages businesses to accept these new requirements and prepare by learning more about available options for financial assistance and compliance.
United Processing Center works with affiliates to process loan modifications on behalf of lenders. It handles the loan modification process from pre-qualification through approval. The company does not charge affiliates any fees and provides account managers and online file tracking. Affiliates are responsible for collecting documents from borrowers and submitting complete files to United Processing Center for processing.
This document provides an overview of micro captives and the 831(b) election for small insurance companies. It discusses how micro captives allow profitable businesses to deduct insurance premium payments of up to $1.2 million annually. The presenters then explain the key aspects of micro captive structures, including risk distribution requirements, premium funding, financial requirements, and policy types that can be written. The tax benefits of micro captives are outlined, such as deferring tax on underwriting profits and accessing funds for retirement or estate planning purposes.
BB&T offers various financial services and solutions to help private schools with their operations and long-term planning. Their expertise can help schools streamline processes, finance equipment and facilities, provide insurance, and plan for retirement. BB&T understands the challenges schools face and can provide customized solutions to ensure ongoing success and competitive advantage.
A Power Point presentation on how Fleur De Lis Financial/Mass Mutual can help you save for retirement in a conservative way, if you looking for safe investments, secure retirements, take a look at this presentation.
AcceleFunding is a broker that contracts with affiliated funding sources to provide various financial products to a nationwide network of brokers. Brokers can earn commissions by obtaining clients for products like commercial factoring, healthcare claims factoring, business loans, equipment leasing, consumer healthcare financing, and more. Getting started involves signing a broker framework agreement with AcceleFunding to define the relationship and allow brokers to market specified financial products through amendments. AcceleFunding provides various marketing materials and support to brokers.
1. The document provides information about various financial services and products for small businesses, including merchant cash advances, payroll services, data storage, and medical insurance options.
2. It discusses the benefits of merchant cash advances over loans, including faster funding without fees or collateral. However, it notes merchant cash advances involve the purchase of future credit card receivables at a discounted rate.
3. The document also provides information on SBA loan programs and guarantees, including eligibility requirements and loan purposes. It notes partnering organizations that can help process SBA loans more quickly.
Primerica Life Insurance Company has received an A+ financial strength rating from A.M. Best, indicating its superior ability to meet obligations to policyholders. It holds $2 billion in investments and $656 billion of life insurance in force, protecting over 4 million lives. Primerica has paid over $6 billion in death claims in the past decade, including $939 million in 2010. It also offers competitive term life insurance rates.
There are clear advantages to purchasing long term care insurance at a younger age when you are more likely to be healthy and qualify for coverage. Premiums are also generally lower when purchased earlier. Long term care insurance helps ensure you have control over the type of care you receive and where you receive it, which can impact your future quality of life. The choices you make today about long term care planning will affect your lifestyle in the future.
MassMutual provides a concise summary of its financial strength and stability in uncertain economic times. It highlights its 157 years of operations, $8.5 billion surplus, diversified investment portfolio, and AAA financial strength ratings from major rating agencies. MassMutual emphasizes that its mutual ownership structure ensures its priorities are aligned with policyholders, and that it is well-positioned to continue honoring its commitments through periods of market turbulence.
MassMutual is a leading life insurance and financial services company founded in 1851 that offers life, disability, long-term care, annuities, and investment products. It has over $639 billion in assets under management and is ranked among the top 100 companies on the Fortune 500. MassMutual provides financial representatives with highly competitive compensation, benefits, training and career development opportunities to help them succeed.
How do you measure positive impact on a community? From our perspective,
it means making a difference in the lives of people through solutions that help
secure their financial futures. Imagine a career where you could be part of a team that provides this kind of impact in your community.
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% despite challenges. The investment portfolio totaled $84.3 billion using a prudent, diversified approach.
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% from the prior year. The company maintained a disciplined, diversified investment approach with $84.3 billion in total invested assets.
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteerism. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
At CBIZ AiA, we understand that since 2008 banking has faced a “perfect storm” of financial challenges, including the housing market collapse, expanded regulatory enforcement and the financial stress of eroding margins. These events have had a direct impact on the bank insurance market, often resulting in coverage and limit reductions and premium increases.
The document discusses a $1.35 billion dividend payout by MassMutual to eligible participating policyholders, reflecting a 7.6% dividend interest rate. As a mutual company owned by its policyholders, MassMutual has consistently paid dividends since the 1860s and remains committed to its policyholders' needs. The large dividend payout and MassMutual's strong financial ratings are signs of its stability in uncertain economic times.
Bipartisan Letter to Treasury asking for PPP Loan Forgiveness FlexibilityGeorge Benaroya
Spanberger, Gallagher, Gottheimer Lead Bipartisan Effort Pressing SBA and Treasury Department to Improve PPP Loan Forgiveness Flexibility for Small Businesses, Provide Additional Guidance on Rehiring; In a Letter Sent to SBA Administrator Carranza and Treasury Secretary Mnuchin Alongside Seven of their Colleagues, the Members Called for the Administration to Take Immediate Steps to Address Burdensome Restrictions on Small Businesses Seeking Loan Forgiveness through the SBA's Paycheck Protection Program
Spanberger, Gallagher, Gottheimer Lead Bipartisan Effort Pressing SBA and Treasury Department to Improve PPP Loan Forgiveness Flexibility for Small Businesses, Provide Additional Guidance on Rehiring; In a Letter Sent to SBA Administrator Carranza and Treasury Secretary Mnuchin Alongside Seven of their Colleagues, the Members Called for the Administration to Take Immediate Steps to Address Burdensome Restrictions on Small Businesses Seeking Loan Forgiveness through the SBA's Paycheck Protection Program; Rep. Abigail Spanberger (D-VA) News Release
This document discusses long-term care insurance and its role in financial planning. Long-term care insurance helps protect savings and assets from the high costs of long-term care services such as home health care, assisted living, or nursing home care. It allows people to receive care they need and maintain their independence. The document outlines what long-term care involves, who may need it, potential costs, and how insurance can help pay for services to receive care in different settings. It emphasizes considering long-term care insurance now while a person is younger and likely to qualify for coverage at an affordable rate.
BB&T offers financial services and expertise to help veterinary businesses with day-to-day operations, cash flow, employee benefits, technology updates, business protection, and retirement planning. Their relationship managers can provide customized solutions like streamlining operations, online banking, financing, and insurance. BB&T aims to help veterinary businesses succeed and spend less time on routine tasks so they can focus on patient care.
COUNTRY Financial provides insurance and financial services to protect homes, cars, businesses, and lives from the unexpected, and help plan for retirement, children's education, and financial goals. Their products include auto, home, life, disability, long-term care, business, and retirement insurance as well as education funding and investment options. Customers can get a plan customized for their needs and priorities to gain financial security and peace of mind.
Captive insurance companies (CICs) provide significant benefits to businesses. CICs allow businesses to customize their insurance plans to better match their specific risks and needs. They also provide tax benefits as premiums paid to a CIC are fully tax deductible. Additionally, CICs can elect to receive up to $1.2 million in insurance premium income tax-free each year. Finally, CICs can be structured to provide estate planning benefits by transferring the value of the CIC to descendants without gift, estate or generation-skipping transfer taxes. In summary, CICs provide customized insurance coverage, tax benefits, and potential estate planning advantages for businesses.
The document provides information about new medical insurance laws and how they may affect small businesses. It discusses potential costs to businesses if they do not provide health insurance to employees. It also offers services like merchant cash advances, payroll processing, and group health insurance to help businesses address costs from the new laws. The document encourages businesses to accept these new requirements and prepare by learning more about available options for financial assistance and compliance.
United Processing Center works with affiliates to process loan modifications on behalf of lenders. It handles the loan modification process from pre-qualification through approval. The company does not charge affiliates any fees and provides account managers and online file tracking. Affiliates are responsible for collecting documents from borrowers and submitting complete files to United Processing Center for processing.
This document provides an overview of micro captives and the 831(b) election for small insurance companies. It discusses how micro captives allow profitable businesses to deduct insurance premium payments of up to $1.2 million annually. The presenters then explain the key aspects of micro captive structures, including risk distribution requirements, premium funding, financial requirements, and policy types that can be written. The tax benefits of micro captives are outlined, such as deferring tax on underwriting profits and accessing funds for retirement or estate planning purposes.
BB&T offers various financial services and solutions to help private schools with their operations and long-term planning. Their expertise can help schools streamline processes, finance equipment and facilities, provide insurance, and plan for retirement. BB&T understands the challenges schools face and can provide customized solutions to ensure ongoing success and competitive advantage.
A Power Point presentation on how Fleur De Lis Financial/Mass Mutual can help you save for retirement in a conservative way, if you looking for safe investments, secure retirements, take a look at this presentation.
AcceleFunding is a broker that contracts with affiliated funding sources to provide various financial products to a nationwide network of brokers. Brokers can earn commissions by obtaining clients for products like commercial factoring, healthcare claims factoring, business loans, equipment leasing, consumer healthcare financing, and more. Getting started involves signing a broker framework agreement with AcceleFunding to define the relationship and allow brokers to market specified financial products through amendments. AcceleFunding provides various marketing materials and support to brokers.
1. The document provides information about various financial services and products for small businesses, including merchant cash advances, payroll services, data storage, and medical insurance options.
2. It discusses the benefits of merchant cash advances over loans, including faster funding without fees or collateral. However, it notes merchant cash advances involve the purchase of future credit card receivables at a discounted rate.
3. The document also provides information on SBA loan programs and guarantees, including eligibility requirements and loan purposes. It notes partnering organizations that can help process SBA loans more quickly.
Primerica Life Insurance Company has received an A+ financial strength rating from A.M. Best, indicating its superior ability to meet obligations to policyholders. It holds $2 billion in investments and $656 billion of life insurance in force, protecting over 4 million lives. Primerica has paid over $6 billion in death claims in the past decade, including $939 million in 2010. It also offers competitive term life insurance rates.
There are clear advantages to purchasing long term care insurance at a younger age when you are more likely to be healthy and qualify for coverage. Premiums are also generally lower when purchased earlier. Long term care insurance helps ensure you have control over the type of care you receive and where you receive it, which can impact your future quality of life. The choices you make today about long term care planning will affect your lifestyle in the future.
MassMutual provides a concise summary of its financial strength and stability in uncertain economic times. It highlights its 157 years of operations, $8.5 billion surplus, diversified investment portfolio, and AAA financial strength ratings from major rating agencies. MassMutual emphasizes that its mutual ownership structure ensures its priorities are aligned with policyholders, and that it is well-positioned to continue honoring its commitments through periods of market turbulence.
MassMutual is a leading life insurance and financial services company founded in 1851 that offers life, disability, long-term care, annuities, and investment products. It has over $639 billion in assets under management and is ranked among the top 100 companies on the Fortune 500. MassMutual provides financial representatives with highly competitive compensation, benefits, training and career development opportunities to help them succeed.
How do you measure positive impact on a community? From our perspective,
it means making a difference in the lives of people through solutions that help
secure their financial futures. Imagine a career where you could be part of a team that provides this kind of impact in your community.
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% despite challenges. The investment portfolio totaled $84.3 billion using a prudent, diversified approach.
MassMutual has strong financials as of June 30, 2009 with a surplus of $8.3 billion, $2.7 billion in cash and equivalents, and over $11 billion in government securities. It has the highest ratings of AAA from Standard & Poor's, Aa1 from Moody's, and AAA from Fitch. Core weighted whole life sales were up 9% and the net field force increased 9% from the prior year. The company maintained a disciplined, diversified investment approach with $84.3 billion in total invested assets.
This document summarizes the community involvement and financial strength of a MassMutual agency. It highlights that the agency is committed to helping clients make good financial decisions and has a long-standing commitment to the communities it serves through philanthropic donations and volunteerism. The agency leverages MassMutual's over 160 years of experience and financial strength to serve over 13,000 clients with $4.3 billion in life insurance coverage.
At CBIZ AiA, we understand that since 2008 banking has faced a “perfect storm” of financial challenges, including the housing market collapse, expanded regulatory enforcement and the financial stress of eroding margins. These events have had a direct impact on the bank insurance market, often resulting in coverage and limit reductions and premium increases.
The document discusses a $1.35 billion dividend payout by MassMutual to eligible participating policyholders, reflecting a 7.6% dividend interest rate. As a mutual company owned by its policyholders, MassMutual has consistently paid dividends since the 1860s and remains committed to its policyholders' needs. The large dividend payout and MassMutual's strong financial ratings are signs of its stability in uncertain economic times.
Advanced Markets Insight: The Importance of Life Insurance Policy ReviewsM Financial Group
Life insurance is an important part of an overall financial plan and regular reviews performed by an experienced professional can determine whether policies are performing according to expectations and meeting financial objectives. There are many factors to consider that may impact the performance and suitability of a life insurance policy.
Northwestern Mutual is a mutual life insurance company that helps clients achieve financial security through a needs-based process and products like life insurance, disability insurance, long-term care insurance, annuities, and investment services. It has over $167 billion in assets under management and oversees 10% of the U.S. direct life insurance market. Northwestern Mutual operates through a network of over 4,000 financial representatives across 350 offices in the U.S. who provide holistic guidance and access to Northwestern Mutual's insurance and investment products and services to help clients meet their long-term financial security needs.
This document brings together a set
of latest data points and publicly
available information relevant for
Financial Services Industry. We are
very excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
This document discusses two new insurance products available from Midwest Bankers Insurance Services for banks. The first is a Civil Money Penalties protection policy for bank directors and officers that provides coverage if they are assessed civil money penalties by a federal regulator. The second is standalone excess deposit bond coverage above FDIC limits to protect larger deposits and attract customers. Contact Jeff Otteson for more details on these new products.
DML Capital Group offers healthcare providers working capital by purchasing their medical insurance claims receivables. They advance 80-90% of the estimated claim value up front and the provider can continue collecting any remaining patient balances. This improves cash flow without adding debt to the provider's balance sheet. DML focuses on the creditworthiness of the insurance companies rather than the provider. Their funding can help providers meet financial obligations and expand services, with amounts available from $500k to $25 million at competitive rates.
This document contains a business plan and projections for an insurance brokerage firm. It includes contact information, a confidentiality agreement, table of contents, and sections on the company summary, services, market analysis, strategy and implementation, management, and financial plan. The company aims to increase annual gross revenue by 7% over the next three years through focusing on its strengths, client base, and target market. Key aspects of the strategy include emphasizing service, building partnerships with clients, and focusing on small businesses with 2-50 employees.
Sun Life Financial Inc. is an international financial services company known primarily as a life insurance company operating in over 50 countries. It provides a variety of insurance products including life, health, disability, critical illness, and long term care insurance. Sun Life uses an underwriting process to evaluate risks and classify policyholders to determine appropriate premiums. It has a strong claims management process that involves assessing claims, processing payments, and detecting fraud. While Sun Life is highly rated and has a large customer base, it faces challenges from increased competition and needs to improve its underwriting and claims processes to reduce costs and enhance customer loyalty.
Robert T. Anderson provides financial planning services to help clients achieve their financial security goals. His 8-step financial planning process includes understanding the client's situation, determining goals and objectives, reviewing investments and risk management, presenting a financial security plan, and providing annual reviews. He works with clients in areas like financial security, cash flow, debt management, investments, risk management, estate planning, and insurance. Anderson is supported by a team of specialists across various financial fields.
Institutional Banking Services, N.A. CORP (IBS, NA) is a privately held corporate banking firm that provides corporate finance, cash management, insurance, and consulting services. It has four ancillary sectors: IBS Insurance Associates, IBS Realty Group, American Resolutions, and IBS Investment Bank. IBS Investment Bank specializes in direct investments in small to middle market businesses and acquisition of commercial and residential real estate. It provides asset-based lending from $500,000 to $30 million secured by accounts receivable, inventory, machinery/equipment, purchase orders, intellectual property, and commercial real estate.
SMC Business Councils (SMC) is a non-profit trade association based in Pennsylvania that provides valuable services and resources to help its thousands of member companies in various sectors grow their businesses. For over 60 years, SMC has brought businesses together through events, publications, expert advice, advocacy, and group purchasing programs to help members succeed. SMC has offices in Pittsburgh and Harrisburg and is guided by volunteer leaders to exclusively benefit its member companies.
BBVA Compass offers several mortgage programs to help realtors' clients achieve their homeownership goals. They provide first-time home buyer programs with low or no down payment options, conventional and jumbo loans, and special programs for professionals and those in certain occupations like teachers. Their programs aim to make buying a home affordable and eliminate the need for large down payments or private mortgage insurance. BBVA Compass also has materials available to help realtors promote their financing options to clients.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Quick Close Presentation
1. QuickClose Designed by Massachusetts Mutual Life Insurance Company (MassMutual) to Benefit Lenders & Their Business Clients CRN201102-116304 DMD4402 SM
Note to Presenter : This presentation is oriented toward several attendees or more from the same lender or attendees representing several different lenders. You may have to tweak the script in places to adapt it to the size of your audience. This is especially true if you are doing a table-top presentation with just one or two people. Welcome to this informational session on QuickClose. I’m (your name) from (your business’ name) . Before starting, I want to thank _________ for giving me this opportunity to speak with you today. Please feel free to raise questions as we move through our slides. I’ll also be pleased to answer questions after the end of the program today. Before moving forward, let me give you an idea of the topics we’ll discuss – First, I ‘ll start with a little about QC Then, we’ll talk about benefits Requirements Product options The right to cure The QC process How we achieve speed Training About MMFG Getting started with QC
QuickClose is designed to benefit lenders & borrowers when life insurance is required as collateral for a business loan. Important facts about QC are: It’s an expedited underwriting program. It is not simplified underwriting nor is it guaranteed underwriting. Provides a 7 - 10 business day policy turn around, assuming a favorable underwriting decision. The collateral assignment is included. Solid track record - last 3+ years over 1500 policies & $3.9 million in annual premium 1
QuickClose provides several benefits to you: You can issue loans faster and earn interest sooner. Cut weeks off your loan process Enhance your standing with business clients. They will appreciate the easy, quick process for applying for required life insurance. No additional costs. No trailing paperwork as the collateral assignment is included with the policy Receive duplicate premium bills & reminders. Speed and convenience are competitive advantages that you can promote to local businesses.
Your clients will enjoy several advantages too. Quality is not sacrificed for speed. No extra cost to your clients. They’ll have access to MassMutual’s and its subsidiary companies’ high quality life insurance products Able to purchase life insurance tailored to their needs. I will be your and your client’s go-to person, working to help prevent problems and resolve any that may occur quickly.
QuickClose has very simple requirements: Loan issued by a commercial lender or SBA qualified non-bank lender. Let me emphasize that QuickClose can be used for commercial loans not backed by the SBA. Insurance required as collateral for the loan. Policy collaterally assigned to the lender. QuickClose is available for policies up to (but not including) $10 million in face amount and under $100,000 in premium.
With QuickClose, the borrower has access to all categories of MassMutual life insurance products. So, with my help, the borrower can purchase a policy suited to his or her needs. He or she is not restricted to one or a few life insurance products.
To make sure we’re being clear about what QC is, let’s take a look at what it is not. Specifically, it’s not: Simplified underwriting. A guaranteed issue product. An expense to the lender or borrower – there are no extra costs associated with QC. Under simplified underwriting, if the borrower answers a few to several underwriting questions satisfactorily, the insurance will be issued quickly. However, the borrower is likely to be restricted to one or a few product choices. Moreover, the premium for the insurance is likely to reflect the absence of full underwriting. Under “ guaranteed issue ” , little or no underwriting is involved and the policy is immediately available. The drawback is that the borrower may be restricted to one product and one underwriting class. This may be attractive to people who are not healthy enough to qualify for fully underwritten insurance, but less attractive to people who can qualify for a better underwriting class. If the borrower does not have serious health issues, he/she may pay far more than would be the case for life insurance that is fully underwritten. As already noted, QC involves an expedited underwriting process; that is, full underwriting is done in a shortened time frame. Thus, clients have access to all of MassMutual’s life insurance products and, each client pays a premium that reflects his or her age and health.
As you know, the SBA’s Standard Operating Procedures require that under the collateral assignment, the lender has the right to step in to pay premiums. The SOPs further require that the insurer acknowledge its acceptance of the collateral assignment, including provision of advance notification should the insured fail to pay a due premium. MassMutual’s collateral assignment [based on the American Bankers Association (ABA) and Bank Management Commission (BMC) approved form] meets these SBA’s requirements. Concerning the advance notification requirement, MassMutual provides duplicate bills and premium reminders under its normal operating procedures. (ABA = American Bankers Association) (BMC = Bank Management Commission)
The process is pretty straight forward: Identify QC as an option -- tell your client that QC is a streamlined insurance program. Inform your client that insurance products are not FDIC insured, etc. Contact me and I will take it from there. My job is to make your job easier and to make the process smooth for your client so he or she can continue focusing on their business needs . Policy issued in 7-10 business days assuming a favorable underwriting decision. Note to presenter: If you wish, you can provide an overview of your process, using the following outline: Once contacted, our representative will schedule an appointment with the client within 24 to 48 hours. The client will be asked to provide initial information during the call. During the first appointment, our representative will assess the client’s immediate needs and show insurance alternatives. He or she will take the insurance application too. When needed, a paramedic exam will be arranged for the same appointment. Our representative then turns the application and all medical requirements into a new business processor who enters certain data on-line to our Home Office. The application is then over-nighted to our Underwriting Division. Upon receipt, a special tag is put on the application and it is sped through the underwriting process. Assuming a favorable underwriting decision, the policy is issued, including the collateral assignment and is mailed to our representative for delivery. As timing dictates, the recorded collateral assignment and/or policy can be faxed to the lender to meet a loan closing date.
At times, lenders who have experienced slower policy issue, question our ability to fully underwrite an insurance application and issue a policy in 7 to 10 business days. After all, their experience is that a full underwriting process requires 6 to 8 weeks or more. Please give us the chance to prove ourselves to you. In the meantime, we ’ ll do a quick review of our process. As noted previously, I am your and your client ’ s point person. I work with the people in our Agency and in our New Business Division to ensure that we meet our timing commitments to you and your customers. (Use if appropriate) Also, we have a “ Point Person ” in our Agency who is a QC expert and who coordinates relations with local lenders. This point person is a great resource and helps to avoid repeat calls on you from different representatives. One of the keys to speed is our excellent relationships with paramedic firms. You can call me on a Monday and I will take the application and have the paramed done on Tuesday. The application will be in the underwriter’s hands by Wednesday or Thursday of the same week. So, you can begin to see how QC cases are expedited. Now, some of you may wonder about the attending physician’s statement. When required, we have several ways of obtaining the APS in 24 –72 hours. Sometimes, the APS gums up the works and when it does, I will let you and our customer know the situation quickly. I will also do my best to expedite receipt of the APS. To achieve speed in underwriting, each QC file has a special tag and is literally walked through the underwriting process.
Built on more than a century and a half of financial strength and customer service, we are a premier provider of life insurance, disability income insurance, long-term care insurance, annuities and retirement planning products, income management, and other products and services for individuals, business owners, and corporate and institutional markets. MassMutual Financial Group is a family of companies owned by MassMutual including: Oppenheimer Funds, Inc. Babson Capital Management LLC Baring Asset Management Limited Cornerstone Real Estate Advisors LLC MassMutual International LLC MML Investor Services The MassMutual Trust Company, FSB
If you’re not already using QC, please give us a try. It’s easy to do this – just give us a call or send us an email. Let us earn your business by meeting our promise of hassle free, speedy service. Thanks and does anyone have questions?