SBA SUPER CLOSE For Binding Required Loan Life Insurance. Services Provided by Himmelstein Financial Paul Himmelstein CLU, ChFC
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1 SBA SUPER CLOSE For Binding Required Loan Life Insurance Services Provided by Himmelstein Financial Paul Himmelstein CLU, ChFC
2 Many Times SBA Lenders Require Life Insurance Many lenders require Principal(s) to obtain Life Insurance before the bank releases money to their business The Lending Bank May Have several requirements Banks require binders They require collateral assignments They require the process have a short time requirement (as short as 2 days) They want to do business with experienced agents or financial advisers
3 Benefits to The Lender(s) They want to provide great customer service They transact business quicker They satisfy their clients and release monies needed by the business sooner They can try to obtain additional business from their client They can be informed by the insurance company about premiums due and any other service notification requirements
4 Benefits to the Borrower(s) They can get the best price They can customize the coverages They are kept in the loop of information They are not stuck with one company and thus can get the best deal They can get issued even with substantial health issues They are not stuck with a non- competitive company
5 Benefits to the Borrower(s) (continued from previous slide) They have some of the most qualified representatives (Himmelstein & Associates principal has been in business over 34 years) They have fully disclosed prices. The firm has a quick quote website They have the best underwriting
6 Super SBA Close Features NOT Limited to one insurance company as a provider NOT Guaranteed issue or guaranteed to issue Does not increase costs to either the lender or borrower (other than premiums paid) Can or Cannot be simplified issue depending upon the insurance company and product
7 SBA Super Close Loan Requirements Loan requires or would like to require life insurance on borrower(s) Policy to be collaterally assigned to lender No minimum or maximum size of insurance contract
8 Benefit Options Although most lenders require term insurance, other life products could be used if desired by borrower Term products guarantees can be as low as one year and as long as lifetime. (frequently quoted guarantee periods include: 1,5,10, 15, 20, 25, 30 year, and lifetime) New contracts can have living benefits that can pay for chronic care, long term care, critical illness
9 Don't Assume That Coverage Can't be Found Diabetics, Asthma, CAD, Depression Mood Disorders and Heart Patients, Cancer, Stroke, etc are not necessarily uninsurable or rated People who have different avocational interests can get standard coverage ( Cigar Smokers, Tobacco Chewers, Race Car Drivers, Pilots, Scuba divers, etc.)
10 Himmelstein Financial Provides Approved collateral assignment forms Potential to allow the lender to be premium payer and/or beneficiary in certain circumstances Binder for coverage Duplicate policies for both the lender and borrower if needed Completed after approval valid enforceable collateral assignment forms acknowledgment by insurance company
11 Himmelstein Financial Provides (continued) Expert advice for the best contract(s) for the best price Shopping service for non standard risks amongst 30+ companies Cooperative and expedited service and communication for status of the cases
12 Steps to be Taken Establish if insurance is needed by the SBA lender Call, , to determine what may be the most appropriate product and pricing Inform the client that this is not a FDIC requirement and that the insurance has no relationship with FDIC Contact either Himmelstein Financial Personnel or associated advisers to implement the application process
13 Steps to be Taken (continued) Agent or our staff arranges physical and communication with clients health practitioners for underwriting information Client informs their personal physician that they are applying for coverage needed to obtain a loan and that when the Doctor is contacted to respond very promptly
14 Steps to be Taken (continued) Client writes binder check and associated agent or HF Company staff provides binder agreement Borrower relaxes and schedules their closing
15 Relavent Contact Information and Reference Places Himmelstein Financial Website: Address: Phone number: or Quote Request Link
SBA SUPER CLOSE For Binding Required Loan Life Insurance
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