http://johnhartline.com/ Life Insurance, Mortgage Protection Insurance, Unemployment Insurance, Disability Insurance, en Copyright 2010 Tue, 23 Feb 2010 15:40:53 -0500 http://www.sixapart.com/movabletype/ http://www.rssboard.org/rss-specification
Most government sponsored retirement plans are Defined Benefit plans - meaning your retirement income is a percentage of the salary you made during your working career.  At retirement time, you choose from several options as to how you receive your retirement income.

There are 6 or more choices of payout methods, but the 2 most popular choices are:

1. Maximum Payout choice, which pays you the most for as long as you live, but payments stop at your death, leaving nothing for any beneficiary.
2. Joint & Survivor choice, which pays a lesser amount to you until your death and then continues to pay your beneficiary (if still living) an amount for his/her life.  This option is chosen by the vast majority, so that their dependents are provided for.

The difference between the two payout amounts, (the GAP), is essentially insurance purchased from the Pension Plan which pays for the risk that the beneficiary will outlive the retiree and collect.

Some retirees choose to take the Maximum Payout Option and purchase insurance on themselves which will pay their beneficiary after their death.  This concept, called "Pension Maximization" in the insurance industry, has lost favor in recent years. Higher Interest rates are needed to generate large returns on a lump sum death benefit and interest rates are currently very low.

This concept could be coming back into favor with the introduction of a version of life insurance which pays the death benefit out to the beneficiary monthly for life. The pricing is based on both the insureds age, gender and health status plus the beneficiary's gender and age. 

The pricing for this is very competitive when compared to traditional lump sum life insurance. 

In most instances where the retiree is female with an equal-age and/or older beneficiary, there is enough dollar difference between the Maximum Monthly Payout and the Joint & Survivor Monthly Payout amount to more than pay for the insurance premium.  Female retirees, therefore, can choose the Maximum Payout amount, buy the insurance, and pocket the difference for a net increase in retirement income.

Visit our website for more information:

www.maxpensionplan.com

John Hartline

800-562-8019
 
]]> http://johnhartline.com/2010/02/retiring-public-employees-gain.html http://johnhartline.com/2010/02/retiring-public-employees-gain.html Monthly Retirement Payout Options calstrs retirement ers retirement system federal retirement benefits navy retirement benefits NC Retirement System nycers retirement and benefits nys teachers retirement pers retirement system public retirement system public school retirement system retirement calc state retirement agency state retirement calculator trs retirement Tue, 23 Feb 2010 15:40:53 -0500
The application and approval process must be done completely on-line and come to the Lender from "sponsoring" organizations, but interest rates, and other normal closing costs are not affected.

Details to follow:

John Hartline
800-562-8019

john@johnhartline.com


]]> http://johnhartline.com/2010/01/mortgage-lender-plan-pays-for.html http://johnhartline.com/2010/01/mortgage-lender-plan-pays-for.html HomeOwner Appliance Warranty Mortgage Unemployment Insurance Mortgage Company Free HomeOwner Appliance Warranty and Free Job Loss Protection Plan Tue, 26 Jan 2010 19:31:14 -0500
We've just been given new information about an interesting twist to mortgages:  a nationally known mortgage company is offering to include a Job Loss Protection Package and a Homeowners Warranty to new customers.  There is actually an option here:  new borrowers can choose 2 years of job loss protection or 1 year of job loss protection and 1 year of home warranty protection.

This is a household "name" mortgage company wanting to generate new business and is has just rolled out this new incentive / promotional program.

For more details:  Email:  john@johnhartline.com
]]> http://johnhartline.com/2010/01/insurance-life-insurance-mortg.html http://johnhartline.com/2010/01/insurance-life-insurance-mortg.html HomeOwners Warranty Plan Job Loss Insurance Home Warranty Job Loss Protection Quick Mortgage Decision Tue, 05 Jan 2010 19:29:13 -0500
John Hartline
]]> http://johnhartline.com/2009/12/merry-christmas-happy-new-year.html http://johnhartline.com/2009/12/merry-christmas-happy-new-year.html Good News Thu, 17 Dec 2009 17:36:25 -0500
Builders, Real Estate Agents, Mortgage Companies will be rolling this out soon.

John Hartline
]]> http://johnhartline.com/2009/11/home-warranty-provides-for-mor.html http://johnhartline.com/2009/11/home-warranty-provides-for-mor.html Home Warranty Wed, 11 Nov 2009 19:49:27 -0500
We've got something better!

If you buy a Hyundai, get the Walkaway plan, lose your job (your income) and get to give your new Hyundai back to the dealership....Tell Me....How do you find a new job if you don't have your car anymore???

What we have is Job Loss Insurance - Plain, Simple!  Coverage Pays You Cash If You Lose Your Job !

Here's Who Is Providing The Coverage To Potential Customers:

1. Auto Dealers
2. Mortgage Lenders
   
3. Home Builders
4. Property Managers (Apartment Complexes)
5. Home Improvement Contractors / Financiers
6. Credit Unions

Here's how it works:

Vendors provide a pre-paid one year policy that protects their customers from Job Loss - paying them cash if they lose their jobs.  For those prospects who were sitting on the fence, worried....the vendor gives 'peace of mind' assurance.  This moves the prospect towards a positive decision.  The vendor spent nothing unless he sells something and he is able to stir the market to action.

Call Us for details:  800.562.8019

Visit our website for details:  www.joblosscoverage.com

Email Us:  john@johnhartline.com


]]> http://johnhartline.com/2009/02/job-loss-insurance-as-sales-pr.html http://johnhartline.com/2009/02/job-loss-insurance-as-sales-pr.html Job Loss Insurance auto dealers provide job loss insurance; mortgage lenders provide job loss insurance; remodelers provide job loss insurance; free job loss insurance; Thu, 19 Feb 2009 17:47:20 -0500 REALLY SAYING:  that 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
]]> http://johnhartline.com/2008/12/henry-ford-said-that-if-he-ask.html http://johnhartline.com/2008/12/henry-ford-said-that-if-he-ask.html Job Loss Insurance job loss insurance mortgage protection unemployment insurance Wed, 31 Dec 2008 21:36:11 -0500
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
]]> http://johnhartline.com/2008/11/god-feeds-the-birds-but-doesnt.html http://johnhartline.com/2008/11/god-feeds-the-birds-but-doesnt.html Job Loss Insurance Mortgage Unemployment Insurance Subprime Loan Plan Job Loss Insurance Unemployment Insurance Wed, 26 Nov 2008 17:58:36 -0500 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
]]> http://johnhartline.com/2008/09/refinancing-to-avoid-foreclosu.html http://johnhartline.com/2008/09/refinancing-to-avoid-foreclosu.html Job Loss Insurance Mortgage Unemployment Insurance Avoiding Foreclosure Job Loss Insurance Refinancing Sat, 13 Sep 2008 09:08:47 -0500
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
]]> http://johnhartline.com/2008/08/us-unemployment-rate-rising-hi.html http://johnhartline.com/2008/08/us-unemployment-rate-rising-hi.html Job Loss Insurance job loss insurance Unemployment Insurance Sun, 03 Aug 2008 15:15:20 -0500
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
]]> http://johnhartline.com/2008/04/mortgage-unemployment-insuranc.html http://johnhartline.com/2008/04/mortgage-unemployment-insuranc.html Mortgage Unemployment Insurance job loss insurance mortgage protection plan mortgage unemployment insurance Tue, 22 Apr 2008 20:02:05 -0500
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
]]> http://johnhartline.com/2008/04/term-life-health-insurance-mar.html http://johnhartline.com/2008/04/term-life-health-insurance-mar.html Job Loss Insurance Mortgage Protection Unemployment Insurance job loss insurance mortgage protection mortgage term life mortgage unemployment insurance term life insurance marketing term life leads Mon, 21 Apr 2008 07:43:14 -0500
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

]]> http://johnhartline.com/2008/04/financing-refinancing-get-unem.html http://johnhartline.com/2008/04/financing-refinancing-get-unem.html Job Loss Insurance Mortgage Protection Unemployment Insurance Job Loss Insurance Job Loss Payment Protection Payment Protection Job Loss Insurance Unemployment Insurance for Payments Fri, 18 Apr 2008 08:18:10 -0500
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
]]> http://johnhartline.com/2008/02/recession-looming-unemployment.html http://johnhartline.com/2008/02/recession-looming-unemployment.html Unemployment Insurance recession, insurance, job loss economic slowdown economy Job loss insurance recession unemployment worry Thu, 28 Feb 2008 18:30:58 -0500 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
]]> http://johnhartline.com/2008/02/job-loss-insurance-available-i.html http://johnhartline.com/2008/02/job-loss-insurance-available-i.html Job Loss Insurance insurance for loss of job job loss insurance loss of job insurance mortgage protection Sat, 09 Feb 2008 09:41:28 -0500