https://pro.genworth.com/efasterm/EFastServlet?hdnComp=DEMO

Use this link to log into Genworth’s On-Line Web Portal to input Life Application Data for real:

https://pro.genworth.com/efasterm/EFastServlet?hdnComp=IMO18

To check pending status go to:  www.myexamone.com;

Check on CaseOne Status and find your case using last name, social security number, case number, or lab ticket number.

Status will be either ‘Open’ or ‘Complete’

Once ExamOne has completed all their tasks, the file is complete and it goes to Genworth Underwriting for Review.

http://www.nytimes.com/2010/06/20/business/20pension.html?hp

Seems that states have “over-promised” retirement benefits and now are thinking about cutting back, even to those who have already retired.

Maybe you should consider fast-forwarding your decision to retire so that you can lock-in benefits?

Visit our primary website for more information:

www.maxpensionplan.com

We will be happy to provide quotes for you and for your particular circumstances.

• Job Loss Mortgage Payments made up to $1250 per month for up to 6 months if you become involuntarily unemployed within 12 months of loan closing;
• 12 Months of Mechanical Breakdown Warranty on 6 Home Appliances;
• 12 Months of Identity Theft Protection;
• Up to $500 reimbursement of HomeOwners’ Insurance deductible;

Or choose 24 Months of Job Loss Protection;

 You must begin the mortgage (new mortgage or refinance) through our associated website:  www.mortgagesafetyplan.com

OR

Link straight to our special Quicken Loans application portal to learn more.

Call 800-562-8019 for more details.

EMail:  john@johnhartline.com

Click Here for Preliminary Details

Or Call Us:  800-562-8019

Or EMail Us:  john@johnhartline.com

OR

Choose to take 24 months of Job Loss Protection at closing.

1. Job Loss coverage has 60-Day Vesting Period, 30-Day elimination period, up to 6 months of payments up to $1250 per month if you become unemployed.
2. 6 Appliance mechanical break down coverage:  (Microwave,
   Dishwasher, Washer, Dryer,Oven/CookTop, Refrigerator) repair/replacement.
3. HomeOwners Deductible Reimbursement protection.  Refunds up to $500 of your homeowners deductible.
4. 12 months of Identity Theft Protection Coverage

You must apply on-line with the mortgage company, and you must come to them via exclusive sponsored portals.

Check this website for full details:Mortgage Safety Plan

Most retiring teachers do not choose the Maximum Payout Option, however.  The overwhelming majority choose the Joint & Survivor Payout Option.  Choosing this Joint Payout Option ensures that their beneficiary will continue to receive payments if the retiree dies before them.  But it has a cost:  a reduction of 18% to 22% from the Maximum Payout Option amount…or about $500 per month.

Teachers should know that there is another option to consider:

The Pension Maximization Plan works by providing the beneficiary benefits for life if the retiree dies before the beneficiary.  The Retiree chooses the Maximum Payout Option, pays the Plan’s cost, and, in most cases, has several hundred dollars per month more in pension income.  They are able to both receive the maximum amount from the State Teachers Retirement System, and provide continuing and uninterrupted life time benefits to their beneficiary. 

Your system can provide you estimates of your retirement income, including the choices for you to pick from.  Don’t make the mistake so many make by choosing the Joint & Survivor Option without investigating the Pension Maximization Option.

Click this link to visit website for more detailed information:  Max Pension Plan

Email:  John Hartline    1-800-562-8019

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
 

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

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

John Hartline