Premium Reverse Mortgage Leads (Silver Financial, Inc.) 105 W Adams St, #1325, Chicago, IL

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Premium Reverse Mortgage Leads (Silver Financial, Inc.) 105 W Adams St, #1325, Chicago, IL 60603 1-800-854-8673 fidess.ferrer@premiumreverse."

Transcription

1 Premium Reverse Mortgage Leads (Silver Financial, Inc.) 105 W Adams St, #1325, Chicago, IL Summary Premium Reverse is a lead generation company specializing exclusively in the reverse mortgage industry. Our model is to generate inbound inquires from prospects who are specifically asking for reverse mortgage information. Because each lead proactively sought out reverse mortgage information, the quality of our leads and the resulting conversion rate is outstanding. Unfortunately, the downside is that our volume is quite limited we generate less than 2,500 leads monthly nationwide. Unlike direct mailers and telemarketers, our maximum capacity is limited by the number of calls and requests we receive each month. That s why the most common request we get from our clients is more leads. History It s been three years since our first client, Financial Freedom, decided to give us a try. We ve been with them through all the ups and downs and the relationship continues today. Along the way we ve added dozens of smaller organizations and some other big names. Current clients list As a member of the Better Business Bureau with a spotless track record, we stand apart from the burn and churn approach to clients that many lead generators take. We are proud of our client retention rate and that s why we ask ourselves, Will you still be with us in a year? when we speak to a prospective client. Conversion and guarantees The historical national conversion rate is 17%. Highly competitive markets convert at approximately 12% with smaller markets hitting highs around 26%. We guarantee that each prospect is: Exclusive Inquired within the last 24 hours (usually minutes) Eligible for a reverse mortgage o All homeowners are at least 62 o The homeowner is not in a large shortfall under the HECM LIBOR or CMT Does not have invalid contact information

2 Premium Reverse Mortgage Leads (Silver Financial, Inc.) 105 W Adams St, #1325, Chicago, IL Return process All leads are distributed via and can also be pushed into your CRM system such as Leads360 or SalesForce. When a client needs to return a lead for failing one of our guarantees, you simply reply to the with the reason for return and we credit the lead for replacement. Inquiry sources All of our inquiries come in through our Chicago based call center or through one of our web sites that are set up to pair with a specific advertising campaign. We advertise nationally on: Cable television networks with disproportionately senior demographics Radio advertisements on targeted stations and time slots Print advertising in niche publications Our advertisements promote our toll free number and web sites where prospects can request detailed information about the reverse mortgage program. When an inquiry comes in, the prospect s info is automatically scrubbed and delivered. Because we do not send any information to the prospect, we require that each client agree to provide the prospect with the educational material they have requested. That typically includes a standard mailer with marketing collateral and loan estimates. Next steps If you think you would benefit from our program, please contact Fidess Ferrer at or call

3 Premium Reverse Mortgage Leads (Silver Financial, Inc.) 105 W Adams St, #1325, Chicago, IL PRICES There is a 20 lead minimum purchase order, with each state varying from $ per lead. Our statewide discount prices are listed below, to geo target is an additional $10 per lead. State Price AK $79 AL $79 AR $79 AZ $99 CA $119 CO $99 CT $89 DC $89 DE $89 FL $119 GA $99 HI $79 IA $99 ID $99 IL $99 IN $79 KS $79 KY $89 LA $79 MA $109 MD $99 ME $89 MI $89 MN $99 MO $99 State Price MS $89 MT $79 NC $79 ND $69 NE $99 NH $89 NJ $109 NM $99 NV $99 NY $99 OH $79 OK $79 OR $109 PA $89 RI $89 SC $79 SD $69 TN $89 TX $109 UT $99 VA $99 VT $79 WA $109 WI $79 WV $69 WY $69

4 EXAMPLE LEAD The following is an example of what will be sent directly to your within an hour of the consumer s inquiry. Refnum: Date: 08/20/2008 Time: 15:03:04 Home Value 300,000 Lien Value 20,000 Person Age 62 Person Name F John Person Name L Sample Address Street 565 MAIN ST Address City SPRINGFIELD Address State Abbr IL Address Zipcode Phone Number Extra Information (may be duplicated): Name John Sample Name Jane Sample Address 565 Main St Springfield IL Phone There may be extra lead information available. whitepages.com

5 Premium Reverse Mortgage Leads Silver Financial, Inc. 105 W Adams St, Suite 1325, Chicago, IL (fax) PURCHASE ORDER Client Information John Smith 123 Main Street Springfield, NY DESCRIPTION UNITS UNIT PRICE TOTAL Reverse mortgage leads (NY) 20 $99 $1,980 $0 $0 TOTAL $1,980 Authorization Name: Signature: Date: / / Payment by credit card Card type: VISA MASTERCARD AMEX Card number: Card expiration date: Billing address: Billing city, state, zip code: / Payment by check Checks should be mailed to our mailing address above. Order activation may be delayed until payments have cleared. Page 1 of 2

6 Marketing Agreement Silver Financial, Inc. ( Marketer ), a Delaware corporation headquartered at 105 W Adams St, Suite 1325, Chicago, Illinois, 60603, is a marketing agency and provides marketing services to the client, a mortgage broker or lender ( Client ). The Marketer does not act as a lender or broker. The Marketer does not commit to any benefits, collect Social Security Numbers of potential borrowers, or solicit, process, or place loan applications. The Marketer makes tools available to the public on behalf of the Client that use industry averages to provide rough estimates of loan limits and related figures. When an individual who has been identified as a result of the Marketer s services chooses to conduct a loan transaction with the Client, all transaction information remains exclusively between the individual and the Client. The Client is solely responsible for the conduct of its officers and business practices. Marketing Criteria The Marketer will endeavor to the best of its ability to ensure that the prospect information transmitted to the Client meets the following criteria: The prospect information generated by the Marketer on behalf of the Client is exclusive and will not be shared with other parties. The prospect s interest is recent, having been indicated within a reasonable timeframe, typically within an hour of transmission to the Client. Average property value of leads will track the regional average but property values of individual leads will vary. The Marketer will limit the scope of qualified prospects to those prospects who meet each of the following criteria: A minimum homeowner age of 61 years and nine months. Eligible under commonly available HECM with minimal (less than $4,000) shortfall or no shortfall. Replacement The Marketer will replace the services provided to the client with services of equal value on a maximum of twenty-five percent of the total order value if: Any one of the Market Criteria is not met. The contact information for the prospect is invalid and is not able to be corrected: Telephone number is disconnected or is a fax line The mailing address is undeliverable and the customer can not be reached by phone or The Marketer reserves the right to deny replacement requests in the event that the aggregate volume of replacement requests exceeds twenty-five percent of the order size. Termination The Marketer may terminate the order without cause by notifying the Client and refunding the outstanding balance of the order. Warrants The Marketer does not endorse, warrant, or guarantee the products or services of any Client, including, without limitations, any rates, points, and loan programs quoted by the Client. None of the Marketer s services or tools constitutes an advertisement for credit as defined by paragraph of regulation Z of the Truth in Lending Act. All representations and warranties, express or implied, including without limitation, any warranties of merchantability or fitness for a particular purpose, are hereby disclaimed the Marketer. In no event shall the Marketer be liable for any direct, indirect, special, exemplary, incidental, consequential, or punitive damages, irrespective of whether such damages are foreseeable or unforeseeable. The limit of the Marketer s liability (whether in contract, tort, negligence, strict liability in tort or by statue or otherwise) in any manner related to any campaign, for any and all claims, shall not in aggregate exceed the fees and expenses paid for the services rendered by the Marketer. Client agrees that all information resulting from activities conducted by the Marketer will be held confidential by the Client and no portion thereof will be distributed to any third party. Arbitration Client agrees that any dispute or controversy arising out of or relating to any interpretation, construction, performance or breach of this Agreement, shall be settled by arbitration to be held in Chicago, Illinois, in accordance with the Commercial Arbitration Rules of the American Arbitration Association before a single arbitrator who shall have experience in the area of the matter in dispute. Entire Agreement This Agreement contains the entire agreement of the Marketer and the Client and supersedes all prior or contemporaneous negotiations, correspondence, understandings, and agreements, whether written or oral, between them, with respect to the subject matter hereof. Severability The invalidity or unenforceability of any provision hereof shall in no way affect the validity or enforceability of any other provision hereof. Page 2 of 2

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement The table below lists the licensure requirements for already-licensed PTs and PTAs applying for licensure in another jurisdiction. Summary Number of jurisdictions requiring license from: license was ever

More information

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants

More information

TITLE POLICY ENDORSEMENTS BY STATE

TITLE POLICY ENDORSEMENTS BY STATE TITLE POLICY ENDORSEMENTS BY STATE State Endorsement ID Endorsement Description AK ARM ALTA 6 Adjustable (Variable) Rate AK BALLOON FNMA Balloon Endorsement AK CONDO ALTA 4 Condominium AK COPY FEE Copies

More information

Other State Policy. CA Policy. Increase Requested

Other State Policy. CA Policy. Increase Requested Rate History Contact: 1 (800) 331-1538 Form * ** Date Date Name 1 NH94 I D 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006 8/20/2006 2 LTC94P I F 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006

More information

An Introduction to... Equity Settlement

An Introduction to... Equity Settlement An Introduction to... Equity Settlement The New York CEMA & Co-op Process June 2009 About Us... Established in 1986 Over 100 Associates Approved Vendor for Bank of America Preferred Vendor for Many National

More information

1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone Number: ( ) Fax Number: ( ) Email Address:

1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone Number: ( ) Fax Number: ( ) Email Address: ARBITRATORS, HEARING OFFICERS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE issued to the NATIONAL ASSOCIATION OF SALARIED PROFESSIONALS PURCHASING GROUP, INC. and specified members of the AMERICAN BAR

More information

Regional Electricity Forecasting

Regional Electricity Forecasting Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began

More information

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 June 2015 1 INTRODUCTION In this report, ehealth provides an analysis of consumer shopping trends and premium

More information

State Corporate Income Tax-Calculation

State Corporate Income Tax-Calculation State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from

More information

ARBITRATORS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE (This is an application for a claims-made policy.) 1. Full Name of Assured:

ARBITRATORS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE (This is an application for a claims-made policy.) 1. Full Name of Assured: ARBITRATORS AND MEDIATORS PROFESSIONAL LIABILITY INSURANCE (This is an application for a claims-made policy.) 1. Full Name of Assured: 2. Address (MUST be a Physical Address): (City) (State) (Zip) Phone

More information

Standardized Pharmacy Technician Education and Training

Standardized Pharmacy Technician Education and Training Standardized Pharmacy Technician Education and Training Kevin N. Nicholson, RPh, JD Vice President, Pharmacy Regulatory Affairs National Association of Chain Drug Stores May 19, 2009 Overview of how technicians

More information

New York Public School Spending In Perspec7ve

New York Public School Spending In Perspec7ve New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013

More information

Mortgage Broker / Mortgage Originator Bond Requirements Nationwide

Mortgage Broker / Mortgage Originator Bond Requirements Nationwide Surety One Email: Underwriting@SuretyOne.org Facsimile: 919-834-7039 Mail: P.O. Box 37284, Raleigh, NC 27627 Mortgage Broker / Mortgage Originator Bond Requirements Nationwide AK Mortgage Broker License

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice

More information

The Lincoln National Life Insurance Company Variable Life Portfolio

The Lincoln National Life Insurance Company Variable Life Portfolio The Lincoln National Life Insurance Company Variable Life Portfolio State Availability as of 12/14/2015 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE

More information

When To Refinance. Your Mortgage

When To Refinance. Your Mortgage When To Refinance Your Mortgage US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15). Licensed

More information

Terms & Conditions Website E-Boutique

Terms & Conditions Website E-Boutique Terms & Conditions Website E-Boutique 1. General: The following terms and conditions and any other related rules made available in writing by Bernardaud (collectively the Conditions of sale ) are applicable

More information

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU (continuing education units) and CCU (continuing competence units) requirements for renewal. It describes: Number of CEUs/CCUs required for renewal Who approves continuing education

More information

NHIS State Health insurance data

NHIS State Health insurance data State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND

More information

NAAUSA Security Survey

NAAUSA Security Survey NAAUSA Security Survey 1. How would you rate the importance of each of the following AUSA security improvements. Very important Somewhat important Not too important Not at all important Secure parking

More information

AGREEMENT FOR DISPATCH SERVICES Breaker 1-9 Full Service Dispatch

AGREEMENT FOR DISPATCH SERVICES Breaker 1-9 Full Service Dispatch AGREEMENT FOR DISPATCH SERVICES Breaker 1-9 Full Service Dispatch 1. RECITLES This agreement made as of this day of, 2014 by and between Breaker 1-9 Full Service Dispatch and, hereinafter referred to as

More information

Student Location and Movement

Student Location and Movement Student Location and Movement Analysis from By the Numbers: Matriculating Student Survey 2014 INTRODUCTION Each year, PAEA s Matriculating Student Survey (MSS) attempts to capture a snapshot of firstyear

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses?

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses? Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval

More information

The Guide To A. Reverse. Mortgage

The Guide To A. Reverse. Mortgage The Guide To A Reverse Mortgage US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15). Licensed

More information

Florida Workers Compensation Market

Florida Workers Compensation Market Florida Workers Compensation Market Lori Lovgren Lori_Lovgren@NCCI.com 561-893-3337 Copyright 2011 National Council on Compensation Insurance, Inc. All Rights Reserved. Florida Workers Compensation Rates

More information

Final Expense Life Insurance

Final Expense Life Insurance Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company

More information

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that

More information

State of the Residential Property Management Market Survey Report, Fall 2012

State of the Residential Property Management Market Survey Report, Fall 2012 State of the Residential Property Management Market Survey Report, Fall 2012 Recently we asked you to give us your opinion regarding the state of the residential property management market. Now that we

More information

Health Workforce Data Collection: Findings from a Survey of States

Health Workforce Data Collection: Findings from a Survey of States Health Workforce Data Collection: Findings from a Survey of States Jean Moore, DrPH David Armstrong, PhD Health Workforce Technical Assistance Center School of Public Health University at Albany, SUNY

More information

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS Complete & bring with you to your Junior College Planning Meeting. NAME: ADDRESS: EMAIL: BIRTHDATE: PHONE #: DATE: PLEASE READ BEFORE

More information

The MorTgage Industry ExplaInEd

The MorTgage Industry ExplaInEd The Mortgage Industry Explained US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15). Licensed

More information

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web U.S. Department of Education NCES 2011-460 NAEP Tools on the Web Whether you re an educator, a member of the media, a parent, a student, a policymaker, or a researcher, there are many resources available

More information

10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation 11:00 11:30. Scott Coleman. Channel Sales Manager

10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation 11:00 11:30. Scott Coleman. Channel Sales Manager 11:00 11:30 10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation Scott Coleman Channel Sales Manager Agenda Landscape of the Market Today 10 Reasons Why Vertex SMB is a

More information

The following rates are the maximum rates that should be illustrated. Be sure to update the IRIS illustration system

The following rates are the maximum rates that should be illustrated. Be sure to update the IRIS illustration system INTEREST RATES - June 16, 2016 to July 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any Continuing

More information

Ben Cohen. Your Expert Lender

Ben Cohen. Your Expert Lender Ben Cohen Your Expert Lender Guaranteed Rate s Story Guaranteed Rate was founded in 2000, and has since become one of the ten largest retail mortgage companies in the U.S. Since inception, Guaranteed Rate

More information

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 State Mortgage Broker Bond Cancellation Mortgage Banker Bond Cancellation Notes & Citations AK $75,000 minimum for

More information

Native American Direct Loan Program

Native American Direct Loan Program Native American Direct Loan Program Date: May 10, 2016 Veterans Benefits Administration The NADL Program at work 2 Program Highlights What is a Native American Direct Loan (NADL). Why we have a NADL program.

More information

Travelers Auto and Home Insurance Program

Travelers Auto and Home Insurance Program Travelers Auto and Home Insurance Program ENHANCE YOUR CREDIT UNION MEMBER BENEFITS, NOT YOUR COSTS A plan for your credit union Enhance your member benefits, not your costs It s a fact. Good member benefits

More information

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP

PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP INTEREST RATES - August 16, 2016 to September 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any

More information

Payroll Tax Chart Results

Payroll Tax Chart Results Payroll Tax Chart Results Terminated Employee -- Involuntary Terminated Employee -- Vacation Pay Terminated Employee -- Voluntary Taxing Authority Federal Payment Date for Involuntary Termination No provision

More information

LexisNexis Law Firm Billable Hours Survey Report

LexisNexis Law Firm Billable Hours Survey Report LexisNexis Law Firm Billable Hours Survey Report Executive Summary Despite the critical impact on a firm s bottom line, it remains challenging for some attorneys and legal staff to efficiently capture

More information

Florida Workers Comp Market

Florida Workers Comp Market Florida Workers Comp Market 10/5/10 Lori Lovgren 561-893-3337 Lori_Lovgren@ncci.com Florida Workers Compensation Rates 10-1-03 1-1-11 to 1-1-11* Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office

More information

Your Partner In. Process

Your Partner In. Process Your Partner In The Buying Process US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15).

More information

Athene Annuity (DE) Rates

Athene Annuity (DE) Rates January 29, 2015 Athene Annuity (DE) s Athene Benefit 10 SM, Athene Choice, Athene Max and Athene 7 MYG SM rates will remain unchanged for the Athene Annuity (DE) product series. Guaranteed payout rates

More information

Fixed Indexed Annuity Rates

Fixed Indexed Annuity Rates Company / Minimum Issue Ages Product Premiums Surrender Charges Last 15 Years Life of the Southwest SecurePlus Accumulator 5 Life of the Southwest SecurePlus Platinum (after 3/21/06) Fixed Indexed Annuity

More information

Executive Summary. A national hail loss map provides a visual depiction of the volume and distribution of hail loss claims.

Executive Summary. A national hail loss map provides a visual depiction of the volume and distribution of hail loss claims. Date: Regarding: 2013-2015 United States Hail Loss Claims (Public Dissemination) Prepared By: David Fennig, Strategic Analyst Executive Summary This ForeCAST SM illustrates the trends in hail loss claims

More information

AAIS Mobile-Homeowners 2008 Series

AAIS Mobile-Homeowners 2008 Series Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS

More information

Understanding Payroll Recordkeeping Requirements

Understanding Payroll Recordkeeping Requirements Understanding Payroll Recordkeeping Requirements 1 Presented by Sally Thomson, CPP Directory of Payroll Training American Payroll Association sthomson@americanpayroll.org 2 Agenda Recordkeeping Requirements

More information

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION MULTI-LEVEL LICENSURE TITLE PROTECTION Prior AK MN TN MO AL MO KY VA AZ MS MO DC NYC NE HI ME OR IA RI PA IL TX VA KS WA LA WI MA WV Prior AK ME OR TN AL MI PA HI CO MS FL DC NC MN IA NE UT IL NV WA IN

More information

Reverse Mortgage Source List

Reverse Mortgage Source List 1st Financial 800-20-003 www.firstloans.net HECM FL MD MI SC 25 Depends on the circumstances. Advanced Mortgage Services 81-659-6555 www.ams-loan.com MA 6 Please call for updated rates and closing fees.

More information

AFFILIATION AGREEMENT

AFFILIATION AGREEMENT AFFILIATION AGREEMENT THIS AFFILIATION AGREEMENT (the Agreement ) is entered into between Velapoint LLC, a Washington limited liability company ( Company ) and (Company name), LLC., a (state) limited liability

More information

Life Settlements Source List

Life Settlements Source List BROKERS Ashar Group LLC - Life Settlement Specialists 407-772-1818 www.ashargroup.com Except AK NH VT Except AK NH VT Varies based on current market opportunities and groups that pass Ashar s due diligence

More information

Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN

Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN Instructions Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN Retired Public Safety Officers can use this

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists

More information

Admitting Foreign Trained Lawyers. National Conference of Bar Examiners Chicago, May 2, 2015

Admitting Foreign Trained Lawyers. National Conference of Bar Examiners Chicago, May 2, 2015 Admitting Foreign Trained Lawyers National Conference of Bar Examiners Chicago, May 2, 2015 Professor Laurel S. Terry Penn State s Dickinson Law Carlisle, Pennsylvania LTerry@psu.edu Overview of Remarks

More information

In Utilization and Trend In Quality

In Utilization and Trend In Quality AHA Taskforce on Variation in Health Care Spending O Hare Hilton, Chicago February 10, 2010 Allan M. Korn, M.D., FACP Senior Vice President, Clinical Affairs and Chief Medical Officer Variation In Utilization

More information

Which Loan Is Best. For You?

Which Loan Is Best. For You? Which Loan Is Best For You? US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15). Licensed

More information

Adoption of Flood Insurance Rate Maps by Participating Communities

Adoption of Flood Insurance Rate Maps by Participating Communities Adoption of Flood Insurance Rate Maps by Participating Communities FEMA 495/September 2005 Adoption of Flood Insurance Rate Maps By Participating Communities The National Flood Insurance Program (NFIP)

More information

PCF Solutions. Sales & Telemarketing. Home Delivery & Fulfillment. Customer Care

PCF Solutions. Sales & Telemarketing. Home Delivery & Fulfillment. Customer Care PCF Solutions Sales & Telemarketing Home Delivery & Fulfillment Customer Care PUBLISHERS CIRCULATION INC. FULFILLMENT, Who We Are PCF is Publishers Circulation Fulfillment, with facilities across the country,

More information

State Annual Report Due Dates for Business Entities page 1 of 10

State Annual Report Due Dates for Business Entities page 1 of 10 State Annual Report Due Dates for Business Entities page 1 of 10 If you form a formal business entity with the state, you may be required to file periodic reports on the status of your entity to preserve

More information

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Preapproval Inspections for Manufacturing Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Major Steps Review of the Quality System information Inspection requests generated

More information

5% to 21%. This APR varies by state. Please refer to Section 3 for details.

5% to 21%. This APR varies by state. Please refer to Section 3 for details. IMPORTANT NOTICE STATEMENT OF CREDIT CARD TERMS MARATHON COMMERCIAL REGULAR CARD RETAIL INSTALLMENT CREDIT AGREEMENT CREDIT SALE CONTRACT Listed below are the terms governing the Marathon Commercial Regular

More information

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes Effects of Booster Seat Laws on Injury Risk Among Children in Crashes SAE Government / Industry Meeting Washington, DC January 26, 2012 Angela H. Eichelberger, Ph.D. Co-authors Aline O. Chouinard Jessica

More information

Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015

Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015 Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: Economy-Wide Statistics Division Briefs: Public Sector Graphical Summary By Phillip Vidal Released

More information

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences?

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? Gerald Riley Lirong Zhao Negussie Tilahun Medicare-Medicaid enrollees Vulnerable

More information

esign Borrower Experience

esign Borrower Experience esign Borrower Experience Below is a step-by-step synopsis of the borrower experience during the esign process. Borrower receives greeting message from docs@primelending.com with a Doc Link. Note: This

More information

Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1

Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1 Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1 FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS 1 Company History Forethought Financial Group, Inc., through its subsidiaries,

More information

2016 Individual Exchange Premiums updated November 4, 2015

2016 Individual Exchange Premiums updated November 4, 2015 2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross

More information

When Applying. For A Mortgage

When Applying. For A Mortgage Steps To Avoid When Applying For A Mortgage Six Steps To Avoid US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or

More information

As of November 1, American Bar Association CPR Policy Implementation Committee. Variations of the ABA Model Rules of Professional Conduct

As of November 1, American Bar Association CPR Policy Implementation Committee. Variations of the ABA Model Rules of Professional Conduct American Bar Association CPR Policy Implementation Committee Variations of the ABA of Professional Conduct Rule 3.1: Meritorious Claims and Contentions A lawyer shall not bring or defend a proceeding,

More information

Building a Market for Small Wind: The Break-Even Turnkey Cost of Residential Wind Systems in the United States

Building a Market for Small Wind: The Break-Even Turnkey Cost of Residential Wind Systems in the United States Building a Market for Small Wind: The Break-Even Turnkey Cost of Residential Wind Systems in the United States Ryan H. Wiser Lawrence Berkeley National Laboratory rhwiser@lbl.gov; 510-486-5474 Global WINDPOWER

More information

Offer in Compromise. Attach Application Fee and Payment (check or money order) here. IRS Received Date. (Rev. May 2012) Section 3

Offer in Compromise. Attach Application Fee and Payment (check or money order) here. IRS Received Date. (Rev. May 2012) Section 3 Form 656 (Rev. May 2012) Department of the Treasury Internal Revenue Service Offer in Compromise Attach Application Fee and Payment (check or money order) here. Section 1 Your Contact Information Your

More information

IRA Distribution Form

IRA Distribution Form Use this form to request distributions from your IRA account and to close an IRA. Instructions 1. Complete the form and include any necessary supporting documents. 2. Sign and send us the completed form.

More information

ESCROW AGENCY APPLICATION FORM

ESCROW AGENCY APPLICATION FORM COMPANY FORM BUSINESS TYPE: ESCROW AGENCY APPLICATION FORM Escrow Construction Control Only* Type of Initial Application (check all that apply): Principal Office 1 st License Application Branch Office(s)

More information

Dashboard. Campaign for Action. Welcome to the Future of Nursing:

Dashboard. Campaign for Action. Welcome to the Future of Nursing: Welcome to the Future of Nursing: Campaign for Action Dashboard About this Dashboard: These are graphic representations of measurable goals that the Campaign has selected to evaluate our efforts in support

More information

2013 Best Best & Krieger LLP. Telecommunications Law

2013 Best Best & Krieger LLP. Telecommunications Law 2013 Best Best & Krieger LLP State Franchising: An idea whose time has past, whose benefits have failed to appear, but whose damages we see every day. PRESENTED BY Joseph Van Eaton Partner PREPARED BY

More information

Uniform Application for Business Entity Adjuster License/Registration (Please Print or Type)

Uniform Application for Business Entity Adjuster License/Registration (Please Print or Type) Business Entity License/Registration (Please Print or Type) Check appropriate box for license requested. Resident License Resident Designated Home State: License #: Non-Resident Designated Home State:

More information

Ambulance Industry Receives Financial Relief Through the MMA

Ambulance Industry Receives Financial Relief Through the MMA Ambulance Industry Receives Financial Relief Through the MMA On June 25, 2004, the Centers for Medicare and Medicaid Services (CMS) issued Transmittal 220 to Medicare Contractors outlining changes to the

More information

Auto Insurance Underwriting/Rating

Auto Insurance Underwriting/Rating Auto Insurance Underwriting/Rating Insurance Underwriting/Rating Variables Driver Demographics Driver History Type of Vehicle Vehicle History Auto Po olicy 1 Name: John Smith Age: 32 Gender: Male Marital

More information

GE Inventory Finance. Unlock your cash potential.

GE Inventory Finance. Unlock your cash potential. GE Inventory Finance Unlock your cash potential. Benefits of Floor Planning Increased sales Interest-free extended terms Ecommerce / Customer Online Management Systems (COMS) (Purchase Approvals / Inventory

More information

ISO Rating Bureau User Field Transfer Utility Instructions

ISO Rating Bureau User Field Transfer Utility Instructions ISO Rating Bureau User Field Transfer Utility Instructions 1993-2011 ACS, A Xerox Company, Xerox Corporation and Affiliated Computer Services Inc. All rights reserved. 2900 100th St., Suite 309 Urbandale,

More information

STATES VEHICLE ASSET POLICIES IN THE FOOD STAMP PROGRAM

STATES VEHICLE ASSET POLICIES IN THE FOOD STAMP PROGRAM 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org Revised July 1, 2008 STATES VEHICLE ASSET POLICIES IN THE FOOD STAMP PROGRAM States

More information

Attn: Credit Department 101 Security Parkway New Albany, IN 47150 Phone (800) 528-9900 Fax (812) 542-3621

Attn: Credit Department 101 Security Parkway New Albany, IN 47150 Phone (800) 528-9900 Fax (812) 542-3621 Attn: Credit Department 101 Security Parkway New Albany, IN 47150 Phone (800) 528-9900 Fax (812) 542-3621 Thank you for your interest in becoming a member of the Fire King family. We welcome the opportunity

More information

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend

More information

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS LESSORS CONTINGENT LIABILITY $100,000 per person, $300,000 per occurrence, Bodily Injury; and $50,000 per occurrence, Property Damage ($100/300/50). As the

More information

Department of Business and Information Technology

Department of Business and Information Technology Department of Business and Information Technology College of Applied Science and Technology The University of Akron Summer 01 Graduation Survey Report 1. How would you rate your OVERALL EXPERIENCE at The

More information

Moving TIM from Good to Great?

Moving TIM from Good to Great? FHWA Update: Traffic Incident Management Program Moving TIM from Good to Great? Iowa Traffic Safety Forum November 19, 2014 Mr. Jeff King (Retired Capt. AzDPS) Traffic Incident Management Public Safety

More information

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA

AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA THE BULLHORN REACH RANKINGS REPORT TM WWW.BULLHORNREACH.COM @BULLHORNREACH JUNE 2012 COPYRIGHT 2012 BULLHORN, INC. ALL RIGHTS RESERVED. EXECUTIVE SUMMARY

More information

LIMITED LIABILITY COMPANY ORGANIZATION CHART

LIMITED LIABILITY COMPANY ORGANIZATION CHART LIMITED LIABILITY COMPANY ORGANIZATION CHART The following Chart has been designed to allow you in a summary format, determine the minimum requirements to form a limited liability company in all 50 states

More information

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT Zurich American Life Insurance Company (ZALICO) Administrative Offices: PO BOX 19097 Greenville, SC 29602-9097 800/449-0523 This document is intended to

More information

Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net

Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net 1 Cancellation of debt (COD)... Generally, if a debt for which the taxpayer was personally responsible

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal. License Renewal on Birthdays

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal. License Renewal on Birthdays The table below lists information on the term and renewal date for each jurisdiction. Summary License Term 1 year 14 2 years 25 Other 2 Renewal Date One date 30 Birthdays 6 Half in even years 4 Other 3

More information

WHAT STATES IS IT ILLEGAL TO DO BPO S?

WHAT STATES IS IT ILLEGAL TO DO BPO S? WHAT STATES IS IT ILLEGAL TO DO BPO S? Copyright Protected by BPO University Nicole Ocean 2010 My name is Nicole Ocean, founder and administrator of the BPO University. I am a certified real estate instructor

More information

2013 CIGNA MEDICARE RX (PDP) A MEDICARE PRESCRIPTION DRUG PLAN

2013 CIGNA MEDICARE RX (PDP) A MEDICARE PRESCRIPTION DRUG PLAN 2013 CIGNA MEDICARE RX (PDP) A MEDICARE PRESCRIPTION DRUG PLAN 805978 i 08/12 S5617_5978i CMS Approved TABLE OF CONTENTS page Medicare overview 3 Medicare Part D 5 Cigna Medicare Rx (PDP) plans 12 Additional

More information

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13 INTRODUCED BY: SUBJECT: REFERRED TO: Council on Legislation A Fifty State Survey of Tort Reform Provisions Reference Committee

More information

Escheat Requirements *Indicates updates in laws or regulations for the state

Escheat Requirements *Indicates updates in laws or regulations for the state Escheat Requirements *Indicates updates in laws or regulations for the state California: See General Reporting Instructions for Holders of Unclaimed Property Missouri: Limitation does not affect property

More information

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs.

Travelers Auto and Home Insurance Program. Enhance your member benefits, not your costs. Travelers Auto and Home Insurance Program Enhance your member benefits, not your costs. A Plan for Your Credit Union Enhance your benefits program, not your costs It s a fact. Good benefits programs help

More information

2.875 % % APR 3.50 % % APR 4.00 % % APR. No Tax Returns To Qualify * DAMON GERMANIDES

2.875 % % APR 3.50 % % APR 4.00 % % APR. No Tax Returns To Qualify * DAMON GERMANIDES A2 TUESDAY, APRIL 29, 2014 THE MLS BROKER CARAVAN A4 TUESDAY, APRIL 29, 2014 THE MLS BROKER CARAVAN THE MLS BROKER CARAVAN TUESDAY, APRIL 29, 2014 A5 2.875 % 2.998 % APR 3.50 % 3.685 % APR 4.00 % 4.132

More information