Mortgage Payment

Loan payment protection insurance pays your monthly loan repayments if you become unemployed through accident, sickness or disability.

Normally people who are taking out a loan arrange it quickly and by default accept the loan payment protection insurance that is offered by the loan company.

In actual fact this doesn't have to be the case, loan payment protection insurance can be arranged independently which can save hundreds of pounds or even thousands over the term of a loan.

Mortgage Payment Protection Insurance

Mortgage payment protection insurance pays your monthly mortgage payments if you become unemployed because of accident, sickness or disability.

This insurance is the icing on the cake for mortgage lenders; they have made one of their most lucrative sales (the mortgage) and then they 'add on' the protection insurance, to give them a bit extra!

Once again by shopping around, enormous savings can be made, especially when you consider that mortgages typically run from 15 to 25 years! Many homeowners don't take out policies at the time of the initial home purchase, but wait until things are 'looking bad' at work, this is a bad mistake as prior knowledge of redundancy is often an exclusion clause for this kind of policy.

The majority of borrowers take mortgage payment protection insurance from their lenders as they don't know about the alternatives.

Payment Protection Insurance on TV

A British Channel 4 TV show, 'Tonight with Trevor Macdonald" was broadcast in 2006 where loan payment protection insurance was the subject. It was revealed that most people with loans didn't even realise they had an option to use an independent insurance company.

In the show there was a short interview with Simon Burgess from British Insurance Ltd.

Simon said that the reason that taking out payment protection insurance from lenders was more expensive than 'going independent' was purely the fact that the lenders were greedy and took too much commission. He stated that "there was nothing inferior about his British Insurance polices, but the premiums were cheaper as they took 10% commission whereas the lenders took up to 50% in commission".

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Floyd Arthur: "That s Travelers. The company of Floyd Arthur is one of the leading insurance companies in the United States. His superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees."

Floyd Arthur

Floyd Arthur: "That s Travelers. The company of Floyd Arthur is one of the leading insurance companies in the United States. His superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees."

Floyd Arthur

Floyd Arthur: "That s Travelers. The company of Floyd Arthur is one of the leading insurance companies in the United States. His superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees."

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Floyd Arthur: "Floyd Arthur is an insurance executive who specializes in the designing, implementation amp; servicing of a commercial insurance / risk management products for both large and small businesses... Along with corporate managerial experience held at various major insurance companies. Education: - Middle School( 1972) St. Theresa of Avila, Br"

Floyd Arthur

Floyd Arthur: "Floyd Arthur is an insurance executive who specializes in the designing, implementation amp; servicing of a commercial insurance / risk management products for both large and small businesses... Along with corporate managerial experience held at various major insurance companies."

Floyd Arthur

Floyd Arthur: "Floyd Arthur is an insurance executive who specializes in the designing, implementation amp; servicing of a commercial insurance / risk management products for both large and small businesses... Along with corporate managerial experience held at various major insurance companies.He has been of help to many of us."

Floyd Arthur

Floyd Arthur is an insurance executive who specializes in the designing, implementation & servicing of a commercial insurance / risk management products for both large and small businesses... Along with corporate managerial experience held at various major insurance companies.

Take a look at Floyd Arthur's Profile
Education:

- Middle School( 1972) St. Theresa of Avila, Brooklyn, New York
- Brooklyn Technical High School ( 1972-1976) , Brooklyn, New York
- Syracuse University ( 1976-1980), Syracuse University


Community Service
- Iniated( May 01, 1979) on the campus of Syracuse University into The college fraternity of Kappa Psi Alpha Fraternity, Inc.
- Member of 100 Black Men of Long Island , Inc.
- Board Member of 100 Black Men of Long Island Development Group, Inc.


Work Experience
- 1980 : American Foreign Insurance Assurance- job duties: Casualty Underwriting Trainee
- 1982: Union Indemnity Insurance Company – job duties: Casualty Underwriter
- 1984: Home Insurance Company: job duties: Large Lines Casualty Underwriter
- 1986: American International Group: job duties: International Casualty Underwriter
- 1988: Commerce & Industry Insurance Company: job duties: Casualty Underwriting Manager


Executive Insurance Experience held at the following firms:
- Andrew & Arthur
- Carmoon Group, Ltd. ( www.carmoongroup.com)
- GrandbayBrokerage , Ltd.
- IothaEnterprise , Ltd.
- www.insurancehelp101.com