Transcript Insurance Presentation

Equita Mortgage Group
“Preserving Your Financial
Future”
Our Promise to You
We will tailor an affordable
mortgage protection plan that
protects your most treasured
assets – Your Family and
Your Home.
We Represent the Top Insurers
in Mortgage Protection Market
We go to work
for you!
We will select the
product and company
that best fits your
budget and your
needs.
Consider These Questions
 Can your family continue to pay mortgage
payments if you’re no longer able?
 What will happen to your family income if
you die or become disabled?
 Will your investments or savings cover your
family’s monthly expenses?
Losing Your Home
Is a Real Risk
Most people lose their homes through:

Death

Unemployment
•
•
56 out of every 1000 people
die before age 50
One of every 10 Americans
will become unemployed this year
a period of 6 months or more

Critical Illness

Disability
•
•
for
Last year more than 1.2 million
Americans were diagnosed with cancer
You have a 1 in 3 chance of being
disabled in excess of 90 days before you
reach 65
Traditional Mortgage
Protection

Decreasing Term Insurance
•

Premium stays level while benefit decreases with
mortgage balance
Bank or Mortgage Company Is Beneficiary
•
All benefits are paid to bank/mortgage company
You Pay Premiums, Bank gets benefits

Coverage is not transferable or portable

Accidental Death Insurance
•
Least expensive insurance often with limited coverage
(less than 2% of all deaths are caused by accident)
Mortgage Protection Plan
Features

Death Benefit remains level.

Covers any kind of death.
Natural or accidental
(Suicide after 2 years)

Choice of Beneficiary

Premiums are Guaranteed
for full term
Leave the money to your family.

Coverage is portable and
transferable.

Accidental Death Benefits
Available

Premiums do not increase.

Children’s coverage
through One Affordable
Rider
Living Benefit Options

Disability
•
Pays monthly benefit should you
become disabled

Waiver of premium
•

Involuntary unemployment
•

Pays your policy premium if you
become disabled
Will waive your policy
premium up to six months
Critical Illness
•
Accelerated death benefit of up
to 50% of the face amount

Money Back Option
•
Receive a refund of
ALL of your premiums
paid at the end of
policy term
Your Promise to Your Family
Not to go..
UNPROTECTED
You never know
when something
might happen.
What would family
do if you did not
make it home?
Equita Mortgage Group
Thank You for Your
Time and Attention.