Group Mortgage Insurance. Introduction to Group Mortgage Insurance for Mortgage Brokers

Transcription

1 Grup Mrtgage Insurance Intrductin t Grup Mrtgage Insurance fr Mrtgage Brkers Date: July-2013

2 Table f Cntents GROUP MORTGAGE INSURANCE... 3 BENEFITS OF GROUP MORTGAGE INSURANCE... 3 WHY IS IT BENEFICIAL FOR YOUR CLIENT TO PURCHASE MORTGAGE INSURANCE?... 3 WHY SHOULD MORTGAGE BROKERS OFFER MORTGAGE LOAN PROTECTION?... 4 SPECIAL MARKETS SOLUTIONS GROUP MORTGAGE INSURANCE OUTLINE... 5 HOW TO SELL GROUP MORTGAGE INSURANCE... 9 HOW TO PRINT OFF A QUOTE AND APPLICATION FROM D+H-EXPERT SUGGESTIONS TO CLIENT RESPONSES WHEN TO CONTACT SPECIAL MARKETS SOLUTIONS... 13

3 GROUP MORTGAGE INSURANCE Grup Mrtgage Lan Insurance, als knwn as Creditr Insurance, is specifically designed t prtect the repayment f a mrtgage. If the insured(s) were t die, becme critically ill r disabled while the mrtgage insurance was in frce, the cverage wuld repay the utstanding mrtgage. Mrtgage life, critical illness and disability insurance are intended t prtect the brrwer s ability t repay the mrtgage fr the lifetime f the mrtgage. With Industrial Alliance s grup mrtgage lan insurance, yur clients can apply fr any number, r cmbinatin f cverage. They can apply fr a single cverage nly, a cmbinatin f 2 types f cverage, r fr all 3 (Life, Critical Illness, Disability) cverages ffered. Grup Mrtgage Insurance can be applied t fixed residential mrtgages. Please nte, if yur client has a variable mrtgage lan and they apply fr disability insurance, their mnthly benefit amunt may differ slightly frm their mnthly mrtgage payment at the time f claim. A Life r Critical Illness claim benefit may als be slightly different than the utstanding mrtgage balance, due t the nature f repayment. Yur client needs t be aware f this difference when they apply fr insurance. Due t the nature f mrtgage repayment, HELOC r Hme Equity Line f Credit lans cannt be prtected with ur insurance prduct. BENEFITS OF GROUP MORTGAGE INSURANCE WHY IS IT BENEFICIAL FOR YOUR CLIENT TO PURCHASE MORTGAGE INSURANCE? Grup Mrtgage Insurance prtects yur client and their family frm suffering a financial crisis and ptentially lsing their hme, in the event they die, becme ill, r suffer frm a disability. Many f ur claimants cmment that the event was unexpected and they never expected t be ff wrk fr s lng. Injuries, disabilities, illnesses r the lss f a key cntributr t the mrtgage repayments can have significant financial stress, in additin t the emtinal stress. Grup Mrtgage Insurance may never take away the lss r emtinal impact f an unplanned lss, but it can help t reduce the financial strain. The majrity f peple are underinsured. A key benefit f Grup Mrtgage Insurance is the ability t tp-up any existing insurance cverage that yur client may already have, and t ensure yur client has adequate cverage where they need it the mst. By fully prtecting their mrtgage lan, any ther insurance plicies can be used twards ther equally imprtant financial needs, such as child educatin, paying ff ther debts, and financial supprt f their spuse and dependents. Advances in medical science and increasing life expectancies, increases yur chance f surviving a critical illness. Yur client is mre likely t suffer a critical illness than t die. Cnsider these statistics and facts: 1 in 2 men and 1 in 3 wmen are predicted t develp heart disease in their lifetime. 86% f hspitalized heart attack patients survive (the percentage is higher fr thse with their first heart attack and lwer fr thse with recurrent heart attacks). 1 in 2.4 men and 1 in 2.7 wmen living in Canada will develp cancer, during their lifetime. 80% f strke patients survive the initial event.

4 If yur client suffers a critical illness r becmes disabled and is unable t wrk, their ability t meet their financial bligatins can be affected. Unable t make their regular mrtgage payments, their credit rating can be impacted and they run the risk f lsing their hme. POINTS TO REMEMBER: Mst peple are underinsured and have nt adequately prtected their family and assets. If yur client des nt have existing traditinal insurance plicies, and they becme disabled, are diagnsed with a critical illness r dies, their mrtgage will likely nt remain in gd standing. Grup Mrtgage Insurance can ensure their mrtgage lan des nt fall int arrears and their credit rating is prtected. Grup Mrtgage Insurance can be used t tp-up a client s insurance cverage. Fr example: a client may have $200,000 in traditinal life insurance, but their mrtgage lan is $300,000. Quick t apply applicatins are generally prcessed quickly as the underwriting requirements are less stringent than traditinal life insurance applicatins. WHY SHOULD MORTGAGE BROKERS OFFER MORTGAGE LOAN PROTECTION? By ffering Mrtgage Prtectin, yu are prviding an imprtant prduct t yur client, while adding value t yur service. Fr each Grup Mrtgage certificate that is put int frce by Industrial Alliance, yu will earn cmpensatin, prviding yu with an additinal incme stream cmplimenting yur mrtgage brkerage. Cmpensatin is paid fr the lifetime f the certificate t the Grup Master Plicyhlder. In additin, yu are ensuring that yur client is adequately prtected, and strengthening yur relatinship with yur client. Under the guidelines f the CLHIA (Canadian Life & Health Insurance Assciatin Inc.), mrtgage brkers are permitted t ffer ne insurance prvider s creditr insurance prduct t their clients. Mrtgage Brkers d nt need t be life licensed t ffer creditr s insurance, except in sme prvinces such as Alberta r Saskatchewan, where a special Life, Accident and Sickness license can be btained thrugh yur prvincial Insurance Cuncil.

5 SPECIAL MARKETS SOLUTIONS GROUP MORTGAGE INSURANCE OUTLINE Grup Mrtgage Insurance, administered by Special Markets Slutins, pays yur client s mrtgage debit bligatins, s ther insurance can be used fr family financial supprt r ther purpses. Special Markets Slutins ffers Grup Mrtgage Life, Critical Illness and Disability Insurance cverage where the benefit is payable t the mrtgage lender. 1. DECREASING TERM LIFE INSURANCE In the event f the insured s premature death, the utstanding insured mrtgage balance will be paid t the mrtgage lender. 2. DECREASING CRITICAL ILLNESS INSURANCE In the event the insured suffers ne f the six (6) cvered critical illnesses, the utstanding insured mrtgage balance will be paid t the mrtgage lender DAY ELIMINATION DISABILITY INSURANCE In the event the insured becmes Ttally Disabled, the insured mnthly mrtgage payment will be paid t the lender fr up t a 12-mnth perid per disability. DECREASING TERM LIFE INSURANCE Grup Mrtgage Life Insurance allws the applicant t purchase decreasing term life insurance t cver the mrtgage balance r a prtin theref. As each mnthly mrtgage payment is made, the face value f the insurance cverage reduces t match the utstanding insured mrtgage balance. Shuld the client prematurely die, the utstanding insured mrtgage balance will be paid t the mrtgage lender. Minimum cverage $20, Maximum cverage $1,000,000.00* Ages years Maximum Insurance Term 480 mnths r t age 75 (whichever ccurs first) Single and Jint Applicatins (up t 4 insureds n a certificate) Guaranteed Apprval n applicatins up t $350, fr applicants wh respnd N t all the Health Questins * Fr clients wh have existing cverage with Industrial Alliance, the cmbined ttal f all benefits must nt exceed $1, fr Life and Critical Illness insurance and $3, fr Disability. Nte: N benefit will be paid until the mrtgage funds are actually advanced.

6 DECREASING CRITICAL ILLNESS INSURANCE: Grup Mrtgage Critical Illness (CI) Insurance allws the insured(s) t purchase decreasing term critical illness insurance t cver the mrtgage balance r a prtin theref. Shuld the client suffer ne f the six cvered illnesses, the utstanding insured mrtgage balance will be paid t the mrtgage lender. Minimum cverage $20, Maximum cverage $1,000,000.00* Ages years Maximum Insurance Term 480 mnths r t age 70 (whichever ccurs first) Single and Jint Applicatins (up t 4 insureds n a certificate) Guaranteed Apprval n applicatins up t $350, fr applicants wh respnd N t all the Health Questins Critical Illness is a living benefit which des nt require death f the insured in rder t receive the benefit. CI benefits will be paid upn diagnsis f any f the cvered critical illnesses: Life-Threatening Cancer Heart Attack Crnary Artery Bypass Surgery Strke Majr Organ Failure Requiring Transplant Paralysis * Fr clients wh have existing cverage with Industrial Alliance, the cmbined ttal f all benefits must nt exceed $1, fr Life and Critical Illness insurance and $3, fr Disability. Nte: N benefit will be paid until the mrtgage funds are actually advanced. 60 DAY ELIMINATION DISABILITY INSURANCE: Grup Mrtgage Disability (DI) Insurance allws the applicant(s) t purchase insurance t cver their mnthly mrtgage payments r a prtin f it. Shuld the client becme Ttally Disabled the insured mnthly mrtgage amunt will be paid t the mrtgage lender fr a maximum perid f 12 mnths. Minimum cverage $ Maximum cverage $3, Ages years Maximum Insurance Term 480 mnths r t age 70 (whichever ccurs first) Disability Benefit: 100% f the Insured Mnthly Payment fr single r jint applicants Guaranteed Apprval n applicatins up t $2, fr applicants wh respnd N t all the Health Questins * Fr clients wh have existing cverage with Industrial Alliance, the cmbined ttal f all benefits must nt exceed $1, fr Life and Critical Illness insurance and $3, fr Disability. Nte: N benefit will be paid until the mrtgage funds are actually advanced.

7 Decreasing Term Life Insurance pays utstanding balance f the mrtgage n death. LIFE COVERAGE: AGE LIMITS: BENEFIT AMOUNT: MAXIMUM INSURANCE TERM (MONTHS): years Minimum: $20,000 Maximum: $1,000,000 Earlier f 480 mnths r t Age 75 CRITICAL ILLNESS COVERAGE: DISABILITY COVERAGE: TYPES OF DEBT INSTRUMENTS GENERAL ELIGIBILITY REQUIREMENTS EMPLOYMENT ELIGIBILITY REQUIREMENTS: UNDERWRITING REQUIREMENTS PRE-EXISTING CONDITIONS Decreasing Term Insurance pays utstanding balance f the mrtgage n diagnsis f cancer, heart attack, strke, paralysis, majr rgan transplant, r crnary artery bypass surgery. MAXIMUM INSURANCE AGE LIMITS: BENEFIT AMOUNT: TERM (MONTHS): years Minimum: $20,000 Maximum: $1,000,000 Earlier f 480 mnths r t Age 70 Eliminatin: 60 days. Insurance pays mnthly insured mrtgage payments while disabled lnger than the Eliminatin Perid. Insurance des nt cver the Eliminatin Perid. Maximum f 12 mnthly payments per disability. Jint applicants receive cverage f 100% f the Insured Mnthly Payment. If bth Insureds are disabled at the same time, benefits will nly be paid fr the Primary Insured. AGE LIMITS: years MAXIMUM MONTHLY BENEFIT: Balance up t maximum f $3,500. Mrtgage n single family dwelling, duplex, triplex, quadruplex r cndminium. MAXIMUM INSURANCE TERM (MONTHS): Earlier f 480 mnths r t Age 70 Resident f Canada; Debtr r c-debtr r guarantr f the mrtgage; Entering int a mrtgage with an amrtizatin term f 40 years r less; Between the ages f 18 t 64 years; Critical Illness nly: Have nt had a Critical Illness prir t the Effective Date f Insurance. DISABILITY COVERAGE: Gainfully emplyed and wrking min 20 hrs/week fr past mnth; Disability Insurance payable nly if Insured was emplyed and actively wrking fr min. f 20 hurs per week fr the 4 cnsecutive weeks immediately prir t the date f Ttal Disability. Fr mrtgages up t $350,000 fr Life r Critical Illness, r mnthly lan payment up t $2,000 mnthly lan payment fr Disability: answer shrt health questins. If all answers are n then autmatic issue. Otherwise, a medical tele-interview must be cmpleted and cverage is subject t Industrial Alliance underwriting apprval. Fr mrtgages greater than $350,000 fr Life r Critical Illness, r mnthly lan payment is greater than $2,000: a medical tele-interview must be cmpleted and the applicatin sent t Industrial Alliance fr underwriting apprval. A Pre-existing Cnditin means illness, disease, mental, nervus r psychiatric cnditin r disrder fr which any f (i) medical advice (ii) treatment (iii) service (iv) prescribed medicatin (v) diagnsis r (vi) cnsultatin, including cnsultatin t investigate, fllw-up and/r diagnse (where diagnsis has nt yet been made) was received r wuld have been received by a prudent individual within bth (a) the 6 mnths immediately preceding the Effective Date f Insurance and (b) the 6 mnths immediately fllwing the Effective Date f Insurance.

8 Grup Mrtgage Insurance - Cntinued EXCLUSIONS & LIMITATIONS TERMINATION: N benefit is payable: LIFE COVERAGE: Suicide within the 2 year perid immediately fllwing the Effective Date f Insurance; War r any act f war whether declared r undeclared; Direct r indirect participatin in a criminal act r any attempt t cmmit a criminal ffence, including but nt limited t, perating a mtr vehicle while the cncentratin f alchl in 100 milliliters f the Insured s bld exceeds 80 milligrams. DISABILITY COVERAGE AND CRITICAL ILLNESS COVERAGE: A Pre-existing Cnditin r as a direct result f treatment fr a Pre-existing Cnditin. This exclusin nly applies if Ttal Disability ccurs r a Critical Illness is diagnsed within 24 mnths f the Effective Date f Insurance; Intentinally self-inflicted injury while sane r insane; War r any act f war whether declared r undeclared; Direct r indirect participatin in a criminal act r any attempt t cmmit a criminal ffence, including but nt limited t, perating a mtr vehicle while the cncentratin f alchl in 100 milliliters f the Insured s bld exceeds 80 milligrams; Chrnic use f alchl; Drug use apart frm cntrlled drugs used as prescribed by and n the advice f a physician; Nrmal pregnancy, childbirth r terminatin f pregnancy, excluding medical cmplicatins (disability nly); Csmetic r elective surgery, excluding unexpected medical cmplicatins. SPECIAL CRITICAL ILLNESS LIMITATIONS: Insured must survive 30 days after diagnsis; Cancer that manifests itself in the first 90 days f cverage is excluded; N benefit is payable if any critical illnesses existed befre the effective date f cverage; Claim is caused r cntributed t by attempted suicide. Certificates terminate n the earliest f: Upn the date the Mrtgage Lan is fully discharged r repaid; r The terms f payment, the creditr r financial lender, r the amunt payable, under the Mrtgage Lan have been increased r extended; r The Finance Institutin has demanded payment f the full amunt due under the Mrtgage fr any reasn; r Upn ur receipt f written ntice signed by all Insureds that they wish t cancel the Insurance cverage; r Upn ur payment f the Life r Critical Illness Insurance benefit; r The Insured(s) reach their 75 th birthday fr Life Insurance r 70 th birthday fr Disability Insurance and Critical Illness Insurance; r Fr Disability nly, the date f retirement frm regular r Seasnal emplyment; r Failure t pay any Ttal Mnthly Insurance Premium within 31 days after its due date; r 40 years after the Effective Date f Insurance.

9 HOW TO SELL GROUP MORTGAGE INSURANCE Mrtgage Brkers thrughut Canada (except QC) are able t ffer creditr insurance t their clients wh are applying fr a new mrtgage r renewing their existing lan. The ffer f insurance must be incidental t the financial arrangement f the mrtgage lan and therefre desn t require a specific insurance licence. Mrtgage Brkers in AB and SK must have specific licenses frm the prvincial insurance cuncil (AIC r ICS) t sell Grup Mrtgage Insurance. In Quebec, Mrtgage Brkers need t frward Grup Mrtgage Insurance pprtunities t a licensed insurance agent wh may ffer the Special Markets Slutins grup insurance. The prcess is simple Print ff a qute and/r applicatin frm frm D+H-Expert. Present the insurance qute t yur client, in cnjunctin with the mrtgage ffer Present the mnthly cst f the mrtgage with the insurance included Require a waiver be signed by any client refusing the insurance ffer Ask yur client: D they have existing life insurance which wuld cver their debt bligatin? Wuld their spuse r family be able t make the mrtgage payments in the future if they became sick, disabled r died? If a single persn, what wuld they d if they were nt able t wrk fr 4 t 6 mnths due t an accident culd they make the mrtgage payments? Culd yur client cpe in the event f an unexpected accident, illness r death? Please nte: Claimants cmmnly mentin their sickness, disability; r death f their spuse was unexpected. Disability claimants cmmnly mentin they never thught they wuld be ff wrk fr that lng. If they were sick fr an extended perid f time, and they lst their mrtgaged prperty, hw wuld they regain their credit rating? Have they cnsidered the financing ptins if they default n their lan?

10 HOW TO PRINT OFF A QUOTE AND APPLICATION FROM D+H-EXPERT Select yur client(s) Applicatin Infrmatin in D+H-Expert, and select the Services tab frm the menu n the left f yur screen. On the 3 rd ptin (Insurance) yu have the chice f either a Quick Applicatin r Custm Applicatin. A) Quick Applicatin prvides yu with a print-ready PDF f a cmplete waiver, and applicatin. The qutatin and applicatin is based n the details in the Applicatin Infrmatin sectin f D+H-Expert, and prvides premiums based n a nn-smker. If yu click n this selectin, a print-ready PDF f the applicatin frm will be presented autmatically. B) Custm Applicatin is useful fr mre cmplex applicatins. It shuld be used when: Applicant(s) are smkers; Applicant(s) nly want partial cverage (eg: 50% r 75%) n the mrtgage; Applicant(s) want t change the effective date f insurance s it is different t the date the mrtgage advances; Applicant(s) want specific amunts f insurance cverage under Life, Disability and Critical Illness; r Yu need t clear the frmer Applicatin, and submit a new Applicatin, as the mrtgage requirements have changed. Use this ptin t clear the applicatin and initiate a new applicatin. Once yu have selected the right applicatin methd fr yur client, please click n Submit t IAP and a qutatin r an applicatin will be prvided in print-ready PDF frmat. It is imprtant that the applicant cmpletes the health questins themselves. Mrtgage Brkers shuld nt cmplete health questins n behalf f clients.

11 SUGGESTIONS TO CLIENT RESPONSES I dn t need/want insurance Questin yur client. D yu have existing life insurance cverage, r enugh insurance cverage that wuld pay the utstanding mrtgage lan shuld anything happen t them? Advise the client they can take the insurance fr 30 days and review their financial situatin mre clsely. If, within 30 days, they decide they still d nt need the insurance, they can cntact Industrial Alliance t cancel the certificate. Any premiums paid will be refunded. Premiums d nt increase as yur client ages. Premiums are age-issued and remain fixed until the insurance terminates. The premiums are t expensive Our premiums are highly cmpetitive and have been designed t be affrdable within mst peple s budgets. Fr sme applicants, the premiums can be lwer than traditinal life insurance plicies. Als yur client s premiums will never increase ver the lifetime f the certificate as they are age-issued. By understanding the premiums will never change, may assist sme peple t mre easily budget the premium int their mnthly expenses. Encurage yur client t lk at partial cverage (e.g.: 50% f the mrtgage amunt) f their lan. They may find this ptin mre affrdable. Please use the Custm Applicatin ptin in D+H-Expert t develp a qute. D I have t accept Life cverage as a pre-requisite t purchase either Disability r Critical Illness? N Yur client can chse any cmbinatin f cverage. They can apply fr a single cverage nly, a cmbinatin f 2 types f cverages, r fr all 3 (Life, Critical Illness, Disability) cverages. The insurance cmpany will determine at claim time that I was nt eligible fr Insurance, and nt pay the claim. It is imprtant t determine whether yur client is eligible fr the insurance prir t applying. The eligibility requirements are clearly set ut n the first page f the 7 page applicatin and n the initial page f the applicatin frm. Please ensure yur client reads and understands them. Further details are available n ur dedicated website - and yur client can read the certificate terms and cnditins in full. Hwever if a client is eligible fr insurance and the circumstances surrunding the claim are within the limitatins and exclusins f the certificate, the claim is payable. Hwever, if yur client misrepresented their health status n the applicatin, their claim may be impacted. Please ensure yur client cmpletes the health questins themselves. Please DO NOT cmplete the health questins n yur client(s) behalf. Industrial Alliance des nt cnduct Pst-Claim Underwriting. All ur applicatins are underwritten. We have tw types f applicatins: a) Guaranteed Acceptance this applicatin is underwritten by the applicant(s) answering up t 6 health questins n the applicatin. Guaranteed Acceptance is different t Guaranteed Issue, where n health questins asked and the insurance can be subject t pst-claims underwriting. b) Underwritten Applicatins this applicatin underges cmprehensive underwriting which may include a telephne interview, further medical tests such as urine and bld, r infrmatin frm their dctr.

12 Insurance cmpanies never pay the claim. Insurance cmpanies d pay-ut claims. Industrial Alliance has a strng reputatin in the insurance market fr ur fair and respnsible claims adjudicatin practices. We effectively adjudicate claims t ensure prmpt payment fr apprved claims. I am nt sure if I will be apprved. Shuld I really admit t all my health cncerns? Please encurage yur client t be hnest when answering the health questins. If the client is nt sure whether t answer Yes r N, they can add brief ntes t the applicatin and Industrial Alliance will determine if further underwriting is required. If the client is declined we will ffer them Accidental Death & Dismemberment (AD&D) Insurance. Hwever, if yur client prvides fraudulent infrmatin (i.e: misrepresents) their health status r details in the applicatin, this culd impact any future claim made. What if I refinance my mrtgage t a higher amunt in the future? Industrial Alliance ffers a discunted premium rate t clients wh have an existing insurance certificate in-frce. We use ageissue premiums frm the existing certificate and blend them with age-issue premiums f the refinanced amunt. Please cntact ur Administratin Team fr a qute and instructins n hw t prepare an applicatin fr yur client. What if I transfer my mrtgage t anther lender r renew my interest rate des my insurance remain in frce? Yes. If yur client(s) renew r mdify their lan, they have the ptin f keeping their existing cverage in-frce under the terms and cnditins f their current certificate. Best f all, they get t keep their age-issued premiums which make the insurance even mre affrdable. Please advise yur client(s) t cntact Special Markets Slutins t infrm us f any changes t their financing agreement. What happens if my client is declined fr all cverages applied fr? If an applicant n a single applicatin, r all applicants n a jint applicatin, is declined fr all cverages applied fr, Accidental Death and Dismemberment (AD&D) Insurance will autmatically be ffered. AD&D is nly available n applicatins where ALL applicants have been cmpletely declined fr all Life, Critical Illness and Disability cverage applied fr. In the case f a jint applicatin, where ne applicant is declined and the ther applicant is apprved fr Life, Critical Illness r Disability, cverage fr the apprved applicant will be put int frce, and AD&D will nt be ffered t the declined applicant. If yur client des nt want AD&D Insurance, please advise them t cntact their Insurance Brker. Althugh they were declined fr Grup Mrtgage Insurance, in the high majrity f situatins they are nly declined as we are nt able t amend the premiums t be prprtinal t the risk assumed by Industrial Alliance fr yur client. An Insurance Brker shuld be able t prvide an insurance prduct t meet their needs. I m renewing an existing mrtgage lan can I get cverage? Yes As mrtgage insurance is incidental t the mrtgage lan, yur client is eligible t apply as lng as they cntinue t meet the eligibility requirements. I have a new mrtgage brker wh has started with ur franchise. Hw d they get set up with Industrial Alliance? Please frward an t slutins-creditr@inalc.cm with the new mrtgage brker s name, address and cntact details. We will set-up the new mrtgage brker n ur system within 3 days and will prvide yu with an Industrial Alliance Prducer Id. Yu (r the new mrtgage brker) will need t prvide their Industrial Allliance Prducer Id t D+H Expert.

13 WHEN TO CONTACT SPECIAL MARKETS SOLUTIONS If yu re nt sure abut any aspect f the prduct, applicatin prcess, new mrtgage brker set-up r brker licensing, please cntact the Administratin Team at Special Markets Slutins. CONTACT INFORMATION Special Markets Slutins DEPARTMENT TELEPHONE FAX/ /WEB Industrial Alliance MARKETING & ADMINISTRATION Custmer Service Certificate Administratin New Issues Cancellatins Underwriting Expense Allwance MONDAY-FRIDAY 8:30AM TO 4:30PM (PST) SOLUTIONS-CREDITOR@INALCO.COM Industrial Alliance CLAIMS Frms Inquiries Prcedures (604) MONDAY-FRIDAY 7:00AM TO 4:00PM (PST) COLLECT CALLS ACCEPTED PLEASE CALL Industrial Alliance HELPDESK Technical Supprt Printing Prblems Passwrd Prblems MONDAY-FRIDAY 8:30AM TO 4:30PM (PST) PLEASE CALL