Insure Your Mortgage – Use Essent Mortgage Insurance

When it comes to mortgage insurance, people are usually terribly confused about the terms and conditions of a mortgage insurance policy. Essent Mortgage Insurance has addressed just that problem, by providing mortgage insurance that is easy to understand, fair and available when customers most need it. Below, you will find more information about this insurance company.

Essent Mortgage Insurance

Why is insurance needed on a mortgage?

A mortgage is a loan. When a loan is issued, there is risk involved to the lender. When a person does not pay back a loan on time, the lender suffers a loss. To compensate for this risk, the lender charges a mortgage insurance policy.

How long has Essent Mortgage Insurance been in the business?

Essent is a fairly new company, having first established themselves in 2010. Despite its young age, Essent has already garnered about $600 Million in investments, from large private investing groups such as J.P Morgan, Goldman Sachs and RenaissanceRe Ventures.

Essent has its main headquarters in Radnor, Pennsylvania, with operational offices in North Carolina. Essent mortgage insurance company is approved by both Freddie Mac and Fannie Mae and is authorized to write mortgage insurance in all 50 states

Does Essent serve lenders or homeowners?

Essent works with both lenders and homeowners when it comes to issuing of mortgage insurance covers. Lenders who are looking to establish a partnership with a reputable mortgage insurance provider can approach Essent for a business relationship.

On the other hand, individual homeowners who are looking for affordable, fair and transparent mortgage insurance covers can also approach Essent for individual mortgage insurance covers.

Finding information on the site

Essent Mortgage Insurance, doing business as Essent Guaranty, Inc. has a great website that provides a wealth of information about mortgage insurance. Readers who are interested in learning more about Essent Mortgage Insurance or about mortgage insurance in general can visit www.essent.us to view the many detailed sections that talk about mortgage insurance for homeowners and lenders.

There is a detailed FAQ section that should help clarify any doubts that readers might have about mortgage insurance.

Once someone becomes a customer at Essent Mortgage Insurance, they will have free online access to their account, whether they are a lender or a homeowner. Lenders will find this particularly useful as they can track all the mortgage insurance payments made by homeowners who have taken out loans from them. Essent also has a section called Lender Pages where it has a very popular informational section called Clear 2 Close, a set of PDF documents that educate lenders on mortgage insurance.

Visit www.essent.us

Fulfill Your Insurance Needs with Eagent Farmers Insurance

Whether you are in need of auto insurance, homeowners insurance, life insurance, business insurance, motorcycle insurance or even recreational insurance, you must know that Eagent Farmers Insurance can be your one stop shop for all insurance needs. Below, we have briefly given you more information about this insurance company.

Eagent Farmers Insurance

What are the different types of auto insurance policies awarded by Eagent?

When one goes to the section of the site that discusses auto insurance, they will be able to find a lot of information about which type of auto insurance will be suitable for them. Readers can also instantly seek a quote online, using the calculator that will be able to display a quote with just a few queries.

The auto insurance section also has a detailed FAQ section that educates the reader about why they might need auto insurance, how they can save on auto insurance and also provides information on what kinds of discounts can be availed.

Currently, Eagent Farmers Insurance provides discounts on auto insurance to students who have a good academic record, customers who have cars with air bags, retired people, and people in certain occupations such as doctor, dentist, police or firefighter. It also offers discounts to people who want to insure more than one car with Eagent.

Homeowner insurance policies

Whether you rent, own a condominium or own a home, you are able to purchase an insurance policy from Eagent. The site has an interactive and virtual home that allows you to learn how to understand the value of your home, to sign up for a homeowner’s insurance policy with the right cover value. You will be able to click on various parts of a typical house to understand how to estimate the value of your inventory and also estimate your personal liability umbrella.

You can also access the menu to get more information on the discounts available by state and also learn about how one can go about filing a property claim, if the need ever arises.

Currently, Eagent Farmers Insurance offers various discounts on its homeowner insurance packages. Insurance discounts are available to customers who have another insurance policy with Eagent and it is also available to nonsmokers, new home owners and to people who live in homes with fire safeguards and other kinds of protective devices.

Buy your auto, life and homeowners insurance to avail the maximum discount from Eagent Insurance

If you are in need of auto insurance, homeowners insurance and maybe even life insurance, you can avail significant savings by buying all the insurance covers from Eagent Farmers Insurance, with discounts as large as 25%, applicable to group buys.

Visit at https://eagent.farmersinsurance.com

Colonial Penn Life Insurance Reviews – Good or Bad?

If you were planning to buy Colonial Penn Life Insurance and were trying to read up on some Colonial Penn Life insurance reviews, you will find that there are many complaints about the insurance company. Some even go to the extent of calling the company a scam. Below, one can get a proper understanding about what Colonial Penn Life Insurance is all about.

Why does Colonial Penn Life Charge high premiums?

colonial penn life insurance

Colonial Penn Life charges about $40 as a monthly insurance premium, for 20 years, to provide a life insurance policy that is worth about $25,000 to a 40 year old man. By paying that same insurance premium at other insurance companies, monthly and for 20 years, a 40 year old man can avail a life insurance cover that is worth a lot more than $25,000.

Many people automatically assume that Colonial Penn Life must hence be ripping people off, by charging high premiums for shoddy insurance covers. However, there is an explanation behind why Colonial Penn Life charges such high premiums.

It is because Colonial Penn Life Insurance, unlike other insurance companies, does not require its policy holders to undergo medical examinations or show their medical history, before they are allowed to sign up for life insurance. The company takes on the risk of insuring people even if their health is in dire straits. However, they pass on the financial risk to other policyholders, by awarding insurance covers that are much smaller than what the traditional insurance company will hand out for a life insurance cover.

Some people just don’t understand this concept and assume that Colonial Penn Life Insurance is a rip off company. Those same people need to understand that the traditional insurance company also sort of rips off people, by calculating insurance premiums that is directly based on the health of a person. In other words, the traditional life insurance company will charge high premiums to people who are sick, because they know that those people might pass away quickly, leading to insurance payouts that will lead to lower profits of the insurance company. Moreover, the traditional life insurance company will also increase premiums as a person ages or as their health conditions deteriorates, often defeating the purpose of having life insurance.

Colonial Penn Life insurance maintains the same insurance premiums, even as a person ages, and also doesn’t depreciate the insurance cover as a person ages.

Why does Colonial Penn Life reduce insurance cover payments on some occasions?

Colonial Penn Life Insurance, in its terms and conditions, clearly states why the value of the life insurance cover might be reduced, quite drastically, in some cases. There are two scenarios that can lead to the reduction of the life insurance cover at Colonial Penn Life Insurance.

First, if a policy holder defaults on insurance premiums, the value of the insurance policy can severely be compromised or even completely canceled. Many people find this particular term of the policy to be very unfair as almost everyone misses a payment every now and them, at least out of carelessness rather than due to not having the ability to pay. However, since Colonial Penn Life Insurance clearly states that missed insurance premiums can lead to a reduction or cancellation of the insurance cover, they continue to enforce the policy. Every time someone becomes a victim of this strict policy, they usually write up a review that Colonial Penn Life Insurance has ripped them off.

In reality however, Colonial Penn Life Insurance might have played by the rules, even though they have set rules that are quite unfair and unpractical to the hardworking consumer, who pays monthly premiums on his or her life insurance policy.

Secondly, the terms and conditions at Colonial Penn Life Insurance clearly state that life insurance payments will be compromised, quite severely, if the insurance holder dies within 24 months of signing up with Colonial Penn Life Insurance. Many beneficiaries of insurance policy holders at Colonial Penn Life Insurance have been enraged when they are told that there is no life insurance or very little life insurance to claim, as the insurance holder died within 24 months of coming on board with Colonial Penn Life Insurance.

However, the company openly reveals this term in its terms and conditions, when it signs up a policy holder. Some people just don’t read the fine print when they sign up, and feel that they have been duped when the company points out the fine print later on.

In conclusion, it can be said that all Colonial Penn Life Insurance reviews that call Colonial Penn Life Insurance company a scam are uncalled for. However, the negative reviews do question the strategies that Colonial Penn Life employs, as a company. The negative reviews are particularly critical of the fact that the company doesn’t do enough to openly discuss the clauses that are mentioned above, and that these clauses are usually buried in paragraphs of fine print that are difficult to read and understand, by the common person.

Visit at http://www.colonialpenn.com

hillstar insurance

Hillstar Insurance Company can be a smart choice as your auto insurance provider. Below, you will find the best features the company has to offer, as an auto insurance company.

hillstar insurance

Price advantage

Where Hillstar really excels in providing you an auto insurance policy is with the rates that they charge. They have consistently been able to offer auto insurance covers for premiums that are about 10% cheaper than the market average.

Additionally, they also have flexible payment plans, allowing customers to pay for their auto insurance in unconventional time periods that make it easier for them to rotate their cash. As an example, while most insurance companies require annual or quarterly payments, Hillstar allows payments on a monthly basis. As monthly payments are usually small, customers can save just a little bit of money to pay off their insurance premiums, to keep their car or vehicle insurance policy valid, without having to have the risk of not having auto insurance.

Hillstar also offers several kinds of discounts that make their insurance policies even cheaper. Customers who are interested in obtaining a quote from Hillstar Insurance can use the site’s online contact form, or just call 866-994-4557.

Becoming an agent at Hillstar

Even if you are a customer at Hillstar, you must know that you can essentially get your auto insurance policy for free, if you can promote Hillstar as an agent. If you wish to become an agent at Hillstar, you can fill out their online registration form. Your application will then be processed and you might be able to get a call where they will screen you as an insurance salesman. If you can become a Hillstar agent and sign up a few people to buy auto insurance from Hillstar, your auto insurance can be virtually free. There are also many agents who generate a very steady stream of income by promoting Hillstar Insurance products.

What is the investment grade of Hillstar Insurance?

Hillstar have always managed to keep a very respectable investment grade for their insurance company. What this essentially means is that the company will be able to pay you compensation swiftly and adequately, should you have the misfortune of being in a situation where you have to claim your auto insurance.

Hillstar Insurance is also a member of the Infinity Property & Casualty Corporation, an association that gives them all the more credibility. If you wish to sign up for an auto insurance policy or maybe even become an agent at Hillstar, you can always do so, by accessing them on the web at hillstarinsurance.com