by Beware001
Mon May 09, 2011 7:01 pm
Note Holder name
Your Address:
Primary Telephone:
LOAN INFORMATION
Loan: $7,500.00
Closing Date: April 29, 2011
Loan Number: JP72230-8490
Account Number: 8490
Loan Rep: Katherine Steele • Ext 285
Congratulations, your loan request of $7,500.00 was approved based on the credit information that you have submitted to our institution as well as your ability to repay. If any information submitted to us is misrepresented or falsified, this will result in a delay of the loan process, or the termination of the loan agreement. We trust that all information submitted to us is true and accurate.
Once final approval has been obtained, you will have 72 hours to fully secure your loan. Your Loan Broker will provide you several options as to how you can secure and obtain your loan. The broker has negotiated terms and conditions on your behalf with a lender best suited to your personal lending situation. With the funding of this loan we hope that the lending relationship we are about to embark on allows both parties to reach their highest potential, together.
Once all required documents are received as per lender and broker requirements, you will be required to secure your loan through the agreed upon method; monetary Collateral; With the First 6 Monthly payments of $1,080.00 USD. Final documentation and forms for this loan and all insurance forms will be released 5 business days after the funding of the loan, and sent to the above stated mailing address (if Incorrect please contact your loan broker to inform us of the error).
In order to ensure prompt delivery of the Loan proceeds you have selected to receive the funds via; Direct Deposit
All payment information will be released ten (10) business days after your loan has been released. Again, we want to welcome you into the Invicta Services Limited family of valued clients.
Sincerely Yours,
, have applied for a loan in the amount of $7,500.00 from our approved Loan Protection Insurance division, and certain underwriters In return for the appropriate premium of $1,950.00 USD*, your proposal and any endorsements together with the key features and certificate and any written statement of medical or other information you have made are part of this Loan Protection Insurance contract.
Death and Bankruptcy protection is underwritten 100% by the Invicta Services Limited INSURANCE division. Disability (Accident and sickness) and unemployment is underwritten 100% by specified underwriters in North America. The underwriters have appointed Compass Underwriting Limited to act for them. Each underwriter is separately liable only for the part of the coverage they provide.
Our Insurance Adjusters along with your broker and Invicta Services Limited, have worked together to negotiate the terms and conditions of this agreement that best fits the profile information you submitted. Our Company issues Loan Protection Insurance to individuals deemed as a high credit risk, by doing so the Lender and policy holder are free from risk of default (depending on level of Loan Protection Coverage you selected).
Loan Protection Insurance - Coverage provided: You can be covered under this Loan Protection Insurance contract if you:
• permanently live in the United States of America, Hawaii, the US Virgin Islands, or Canada for tax purposes;
• have taken out a loan
• are 18 years or over and will not have reached 84 years of age before the finishing date of cover;
• are actively working and you have been in continuous employment for the six-month period before the contract start date
• You cannot be covered under this Loan Protection Insurance contract if you:
• know of any possible unemployment or disability or illness which may affect you; or
• Are not eligible to register as unemployed in the US or Canada.
• know, at the time of taking out this Loan Protection Insurance, of any redundancies, restructure, re-organization, financial or contractual threats within the business you work in, even if you do not believe these actions will result in your becoming unemployed unless you have declared this to us and we have confirmed our acceptance to you
• are in formal dispute with your employer for performance related issues or facing other disciplinary action
Loan Protection Insurance – Definitions: Some of the words and phrases we use in the Loan Protection Insurance contract terms and conditions have special meanings.
Death Death from any cause within the period of this Loan Protection Insurance
Disability An accident or sickness certified by a registered medical practitioner in the U.S.A or Canada which prevents you from doing your normal work or any similar work for which you are reasonably qualified and you are not doing any other job for payment or reward.
Loss of Income You are employed and your employment ends because of circumstances entirely beyond your control. Your unemployment, for the purposes of this Loan Protection Insurance, starts on the day you are either given your formal written redundancy notice by your employer, the end date of your fixed-term contract or the final day of trading if your employer stops trading.
Exclusion period This Loan Protection Insurance will not pay any unemployment benefit if you are notified of unemployment within the initial 120--days exclusion period even though your unemployment may not take place until after this period.
End date of coverage Your Loan Protection Insurance coverage will cease when you either: a) die or are diagnosed with a critical illness
b) retire from work or reach age 80;
c) stop living in the US
d) cancel or have made the final repayment of your loan, loan maturity date.
Waiting period The 30 days during which you will need to be continuously unemployed or disabled before we start paying your monthly loan re-payments.
Loan Protection Insurance - Paying claims
A. Life benefit
In the event that you pass away we will pay your lender the amount you still owe under the loan agreement at the date of your death (except any payments that you have missed). We will only pay one life benefit. If you gave your broker the wrong age when this certificate began, we may reduce the sum assured to an amount, which would have applied to your real age. If a claim is made under this section, we will deduct from the claim the balance of any premium still owed to us.
B. Critical Illness benefit
If you are diagnosed after the Loan Protection Insurance start date as having one of the specified critical illnesses and survive for at least 28 days after you are diagnosed, we will pay your lender the amount you still owe under the loan agreement at the date of your diagnosis (except any payments that you have missed). You can only claim benefit for one of the specified critical illnesses throughout the life of your certificate of insurance. If you make a claim under this section, we will deduct the balance of any premium you still owe us from your claim.
C. Disability benefit
If you are in continuous employment and become disabled during the period of Loan Protection Insurance for longer than the waiting period we will pay one thirtieth of the monthly benefit for each day you remain continuously disabled beyond the waiting period. The Loan Protection Insurance benefit will be paid monthly in arrears for up to your chosen maximum benefit period. We will continue to pay your lender until:
a) The last day of your disability;
b) the date you stop providing proof that you are still disabled; or
c) we have made the maximum number of monthly benefit payments we allow in the benefit period;
d) the end date shown on your certificate of insurance or you stop paying your monthly premium whichever is earlier.
If you claim under this section, we may deduct the balance of any premium you still owe us from your claim.
D. Unemployment benefit
If you are in continuous employment and become unemployed during the period of Loan Protection Insurance for longer than the waiting period we will pay one thirtieth of the monthly benefit for each day you remain continuously unemployed beyond the waiting period. The Loan Protection Insurance benefit will be paid monthly in arrears for up to your chosen maximum benefit period. We may ask you to see one of our appointed consultants to help you look for permanent work. We will continue to pay your lender until:
a) The last day of your unemployment;
b) the date you stop providing proof that you are still unemployed
c) the end date shown on your certificate of insurance or you stop paying your monthly premium whichever is earlier.
If you claim under this section, we may deduct the balance of any premium you still owe us from your claim.
Loan Protection Insurance - General conditions: This Loan Protection Insurance contract and any endorsements together with the loan agreement and certificate and any written statement or other information you have made make up the contract between yourself and our company. This contract or any of the terms of this contract cannot be changed unless this is done in writing by one or more of our authorized officials. If at the time any condition of this contract becomes invalid, illegal, or cannot be enforced, it will not affect the rest of the contract. All benefits under this Loan Protection Insurance will not be taxed, although this may change in line with any amendments to legislation. If this happens, we will take from any monthly benefit any amounts, which, by law, we have to take. Unless you and we agree otherwise this Loan Protection Insurance will be governed by US law and the American courts will deal with any disputes. Loan Protection Insurance – Fraud: If we discover any fraud or that you have hidden any facts relating to this Loan Protection Insurance, we will end this cover and you must repay us any money we have paid you and you will lose any rights to make a claim under this Loan Protection Insurance.
Loan Protection Insurance - How to claim: You will receive a Loan Protection Insurance claim form (or in the event of your death your representative). You (or your representative) will need to fill this in and return it to us as soon as reasonably
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