Results tagged “Job Loss Insurance” from Insurance Marketing | Outside The Box

Thank goodness Henry didn't do alot of asking.  Instead, it turns out, he tried to understand what they were REALLY SAYINGthat they wanted to get to their destination faster.

Therein lies what the PaycheckGuardian plan attempts to do:  offer a partial solution to the biggest cause of disruption of income:  Involuntary Unemployment.

Here on New Year's Eve, the whole country is facing more job losses.  No one knows if their job is next.  We have some advice if you are pondering whether your job is in danger:  If you're pretty sure about your job being there for the next 4 months, but you're really worried about 5 or 6 months from now, visit the website and seriously consider buying the plan that suits you best.

How would you meet your monthly obligations if you suddenly lost your job?  Paycheck Guardian Plan will pay you up to $1500 per month for up to 4 months if you become involuntarily unemployed.  There are 'vesting' provisions and time conditions associated with the plan.  Read the disclosures on the website.  Enroll securely on the website and cancel coverage anytime.

Contact Us for more information:

John Hartline
800.562.8019
The US Government is doing everything they can to help homeowners who are in trouble or about to be in trouble regarding their mortgages.  Rates are falling quickly because the Fed is pumping money into the system and offering to protect the lenders.

If you are in trouble or about to be in trouble, you should not be timid about asking for help.  Your mortgage servicer (lender) is ready to use government money available to them in order to help you.

But you have to "do" something:  Reach Out to Your Lender !

Yes, God Feeds the Birds But Doesn't Toss Worms Into the Nest for Them ...the birds have to do something.

If you get help on your mortgage, what happens if you lose your job and become unemployed?  A lower payment would be great, but can you make that lower payment if you lose your job?

Paycheck Guardian is a job loss unemployment benefit plan that will pay you cash if you become unemployed or accidentally disabled.  Up to $1500 per month is available.

Contact Us: 800.562.8019 Email:  John Hartline
If you have a mortgage you are seeking to refinance in order to avoid foreclosure, a wise thing to do is obtain Job Loss Protection for the new mortgage payment amount.  A small price to pay for peace of mind protection.  If you are able to work with your lender to restructure and refinance your existing mortgage in order to keep your home, then be sure to investigate our Paycheck Guardian Plan.

Paycheck Guardian is a membership plan that can pay you up to $2000 per month in cash benefits for up to 4 months if you are involuntarily unemployed.  More practical than life insurance because you're more likely to be laid off than you are to die.

If you are facing foreclosure and working with your lender for relief, you're on the right track and we wish you all Good Luck.  We urge you to seriously consider taking the additional step of purchasing protection.

John Hartline
800.562.8019
Are you worried you might get laid-off ?  Are you and your job bullet-proof?  Perhaps you should consider Supplemental Unemployment Protection.

www.Paycheckguardian.com is a membership protection plan that will pay you up to $2000 per month for up to 4 months if you are unemployed.


Choose from 3 membership levels:
  • Silver Level pays $1000 per month for 4 months
  • Gold Level pays $1500 per month for 4 months
  • Platinum Level pays $2000 per month for 4 months
PayCheckGuardian.com is the only Supplement Unemployment Protection Plan available in the US.  Available in 43 states, sold entirely on-line on a secure internet portal, this new plan now available.

  • You must be a W-2 employee
  • You must be working for 30 hours a week
  • The coverage (your membership) must be in-force for 4 months before a claim will be honored (4 month "vesting" period)
  • There is a 30-day elimination period (no claims paid for the 1st 30 days of unemployment)
Call or Email with questions:

John Hartline 
800.562.8019
Here in Bank of America country (North Carolina), the suits in the tallest building just hung out their dirty laundry.  The mortgage market cost them profits.  Sister bank in town...Wachovia....bit their bullet last week.  The culprit for both:  Mortgages.

Mortgages that people aren't paying off.  Why aren't they paying them off?  Lots of reasons, but a big reason is loss of income due to unemployment.  Unemployment rates are rising across the country.  People who got a mortgage during this latest 3-4 year 'boon' cycle are borrowed to the max...they have no room for error.  They are a job loss or an extended sickness away from missing mortgage payments.

When they miss a mortgage payment, or miss a home-equity payment (another Bank of America problem)...then the "heat" is really on them.

That's one of many reasons why Mortgage Unemployment Insurance provides valuable protection and peace of mind coverage.  Now available across much of the US (40 states have approved the product for sale), this Job Loss Mortgage Unemployment Insurance can pay you up to $2000 per month for up to 6 months if you lose your job.

Get a specific price quote here at www.salaryprotector.com

Contact John Hartline 800.562.8019
We're beginning to see large term life insurance & health insurance marketers add Job Loss Insurance to their marketing offers.  This approach is part of a new trend in internet marketing called "behaviorial analysis" marketing.  The theory is that people who use the internet to shop insurance prices will see that job loss insurance is available (most of the US doesn't know)...and will choose to add it to the 'shopping list'.

The biggest selling debt protection benefit in Britain; over 3 million policies are in force there.  Fully 20% of new borrowers purchase protection at loan closing.

You can get a price quote here:  www.salaryprotector.com

Contact:  John Hartline  800.562.8019
If you are buying and getting a mortgage loan.  Or if you're refinancing one of those ARM loans.  Get Your Self some Unemployment Insurance (Job Loss Insurance)...just in case.

Get A Quote Here:  www.salaryprotector.com

Unemployment in the US is rising.  Everyone says "We are in a Recession".  Is your job secure?  How do you know a layoff isn't in your future?

The cost of this protection is low  (About $55 per month for $2000 in coverage, payable for up to 6 months).

What if you were laid off...and were lucky....and found another job within a few months:  Wouldn't the 'extra' income from the Unemployment Job Loss Insurance come in handy?

Are you in the financial services business?  A Mortgage Broker?  Contact us for distribution possibilities:

John Hartline  1.800.562.8019

It's fairly apparent now:  even George Bush says "we're in a slowdown".  Oil prices are up, record low dollar values, credit "squeeze".  The economy is either in a recession or on the brink of a recession.  All of this is rippling through the economy at a rapid pace.

You know where this will end up, don't you?  Rising unemployment rates.  Your job could be in danger.  What would you do if your employer announced massive layoffs?  Could you find another job quickly?  Is your resume current?  Hey, it's a competitive job market out there.  Are you confident you could find employment without experiencing a major loss of income?  Could you pay your bills on time for several months without a regular salary?

Aside from paying closer attention to your job performance, take a look at your current financial obligations and try to think ahead a bit:  what bills could you postpone paying?  Certainly not the mortgage payment, the car payment, the utilities, the insurance.

"An ounce of prevention is worth a pound of cure"...an old adage, yes...but did you know that Unemployment Insurance is available?

For about $55 per month, you can purchase Involuntary Unemployment Insurance that will pay you $2000 per month for up to 6 Months if you lose your job.  Visit www.salaryprotector.com to get a personal price quote and enroll online.

Paid in addition to any state unemployment program, this unique one-of-a-kind insurance is now available in 35 states.  Benefits are paid to you individually to pay your bills when you're unemployed and your salary stops.  There is a "Vesting" period:  you must become unemployed after a 6 month 'waiting' period.  Sorry, you cannot buy the policy and file a claim immediately...there must be a 6 month period of continuous employment between purchase and claim.

So, a word to the wise:  if there's some doubt in your mind about your employer and your prospects of continued employment through the foreseeable future - a small investment insurance premium might be worth considering.

Contact John Hartline
800-562-8019

Job Loss Insurance Available in US

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In these uncertain economic times, with news of the slowing economy dominating headlines, a new type of insurance is available in many states.  Job Loss Insurance can provide cash when your salary stops due to involuntary unemployment.

Monthly cash benefits up to $2000 per month can be purchased entirely online, easily & securely at www.salaryprotector.com. 

We were curious as to what the average weekly Unemployment payment was from the various states in the US.  The average weekly unemployment check is $378.  Can you pay your monthly bills with $378 per week?

As the year moves forward, more announcements of factory closings will certainly be made.  How could you pay your mortgage payment, your car payment if you were suddenly unemployed? 

Contact John Hartline
800-562-8019
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Over two-thirds of loan delinquencies and home foreclosures are caused by Loss of Income due to disability and job loss.  Most people with mortgages are approached to "protect their family & home" by buying term life insurance.

There is nothing wrong with owning a life insurance policy.  Everyone should have some individual life insurance, term or permanent, in force.

But death is not the primary cause of loan delinquencies:  Loss of Income is the primary culprit.  Only 3% of loan delinquencies and home foreclosures are caused by death of the primary borrower.

Disability Insurance is underwritten differently than life insurance.  Chances are greater that you'll be disabled than if you'll die.  Chances are even greater that you'll become involuntarily unemployed.

The Mortgage Safety Plan was designed to provide cash payment benefits if and when you are disabled or unemployed.  The unemployment & disability benefits provided by the plan are Guaranteed Acceptance.  There are No Health Questions, No Medical Exams.  Price is the same for all ages, Male or Female and prices are based on the monthly benefit you choose.

If you are concerned that a disability or unexpected job loss could affect your income stream so that you could not meet your monthly bill payment obligations, visit this website:  www.mortgagesafetyplan.com

John Hartline
800-562-8019

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There's more and more talk now about the economy.  Words like 'recession' and 'job losses' are popping up more and more in the news.  Of course, these discussions usually do come up near the end of the calendar year, but recent oil price increases, massive layoffs in the financial services industry and in the housing industry do have economists alarmed.

How would you make your mortgage payment if your salary suddenly stopped because you couldn't work?  What if your job was suddenly in jeopardy?

A solid mortgage protection plan that includes mortgage unemployment insurance is inexpensive.  Recently introduced in the US, and now available in 25 states, Mortgage Unemployment Insurance pays you cash benefits for up to 6 months if you become unemployed.  Up to $2000 per month would go a long way towards helping you meet your monthly expenses should you lose your job.

Enrollment is done entirely via a secure internet portal; price is based on the monthly benefit amount you choose and is the same for all ages, male or female.
It is an election year, and for the first time in many years neither the sitting President nor Vice-President is seeking re-election.  Many say this could lead to less federal intervention into the economy, leading to further weakness.

67% of all loan delinquencies and home foreclosures are caused by loss of income due to unemployment or disability.  The average length of unemployment is 16 weeks.  Could you make your monthly mortgage payment for nearly 4 months if you lost your job?  Mortgage Protection including mortgage unemployment insurance might be worth considering.

John Hartline
800-562-8019
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The Hope Now Alliance program is set up now to help those with subprime mortgages which are set to escalate in cost in 2008.  Hope Now will offer counseling to people with subprime ARM mortgages.  Borrowers who have made their payments on time will be given 'interest rate freezes' on their mortgages for the next 5 to 7 years.

Many say this is a free bail-out for people who never should have gotten the ARM mortgage to begin with.  Others say if something isn't done, the country will be pushed into a recession sooner-rather-than-later.

Those borrowers who are given this reprieve should not only be thankful, they should now take time to seriously consider further insulating themselves from 'life events' which would cause them financial ruin.  Involuntary Unemployment Insurance is now available, is inexpensive, and would provide cushion for something the Hope Now Alliance cannot protect them from:  Unexpected Job Loss, Unemployment, Disability.  The industry might be able to guarantee that the interest rate on their loan will be frozen at it's current level....but neither the Hope Now Program nor the US Government can guarantee that these borrowers will have jobs, and be healthy enough to continue working because of a disability. 

An ounce of prevention is worth a pound of cure, the old saying goes.  A visit to www.salaryprotector.com to check out the Mortgage Safety Plan's (www.mortgagesafetyplan.com) benefits would be a wise move for everyone involved.

John Hartline
800-562-8019

Cobra Health Insurance.jpgParts of the US are beginning to experience higher unemployment - Southern Florida, parts of California, for example.  Amongst all the other problems unemployed workers face is how they will continue to be covered by health insurance.  Most employees know about COBRA:  the ability to continue on their employer's health insurance program after their employment has been terminated.  But not all of them understand that they must pay 100% of the monthly premium.  Most employers who offer group health insurance are mandated to pay at least 50% of the cost of coverage, and when terminated employees find out they have to pay at least double the amount that use to be deducted (Pre-Tax) from their paycheck, well...the word 'Shocked' does not adequately describe the emotion.

Job Loss Insurance could help.  It's inexpensive.  A $30 monthly premium buys a 6 month benefit of $1000 per month.  That's about $1 a day for coverage that would pay you $1000 per month for up to 6 months if you were unemployed.  Not enough money to pay all your expenses, but coupled with your state's unemployment program, some temporary frugal living until you've found another job, $1000 per month would certainly help pay those COBRA health insurance premiums.

John Hartline
800-562-8019
Email:  johnhartline@statesville.net

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August 2007 US employment figures showed 145,794,000 people with jobs, or 125,000 fewer than 6 months ago.  When that number goes into negative territory (125,000 FEWER), it is a warning of a slowdown in the economy.  Ohio’s unemployment rate last month increased to 5.6 percent (up from 5.2 percent one year ago).  States with the highest unemployment rates in September 2007 included Michigan (7.50 percent) and Mississippi (6.4 percent).

 

Are You Worried About Your Job?  How Would You Pay Your Bills If Unemployed?

 

Life Insurance and Disability Insurance can provide for families if death or disability occurs. Now certainly that's comforting, but it doesn't account for what's probably the most likely malady to befall most Americans - Unemployment. You can easily cover yourself with a benefit that will pay you cash benefits up to six months if you become unemployed so that you can keep all your debts current while you look for new employment. The alternative is to use up your savings leaving you poorer than you have to be. That doesn't need to happen!

John Hartline

1-800-562-8019

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