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The California Association of Mortgage Brokers Board of Directors has sponsored a program of insurance benefits to assist you in providing for your financial security. These benefits are marketed and serviced through the agency of David White & Associates, California Insurance License No. 0504164. Some of these benefits apply only to you as members. Some are available to your families and employees. All are programs that the C.A.M.B. Board of Directors feel are important to the financial well being of their members. C.A.M.B. INSURANCE PLAN SUMMARY... 1) Disability Income Insurance: This plan is offered because many members are self-employed or are affiliated with small organizations that do not offer disability income benefits. The need for income if disabled is great. Standard Insurance Company, a leader in the disability insurance field has agreed to offer its individual "INCOME PROTECTOR" plan to CAMB members at a 15% premium discount. 2) Business Overhead Expense Insurance: If an owner of a CAMB firm becomes disabled, the need for continuing income is even more acute. Not only does one have a need for individual disability income to pay the bills at home, but one needs income to pay the bills at the office as well. Standard Insurance Company's "BUSINESS PROTECTOR" will provide the protection to keep the business going until it can be determined when, or if, the owner will return. Standard Insurance Company has agreed to offer this plan to CAMB members at a 10% discount. 3) S.S.T. (Employee Benefit Plans): Small firms often need to offer benefits to attract and retain key employees. It is difficult to arrange benefits similar to those at large companies. Standard Insurance Company has developed a program that offers "core" employee benefits to small firms. Standard Insurance Company is willing to offer this program, the S.S.T. (Standard Select Trust), to CAMB firms and discount the monthly administration fee by 50%. This will assure annual savings to CAMB firms of $120.00. 4) Low Cost Life Insurance: Term life insurance today is already very low in cost. However, many individuals are not aware how inexpensive it is to adequately insure themselves in order to protect their families and businesses. We are offering a "shopping service" to CAMB members in order to assure that they pay the lowest possible cost for term life insurance. 5) Long-Term Care Insurance: The biggest fear older Americans have today is the fear of losing their life savings due to a prolonged illness or nursing home confinement. Children of older parents also are concerned about how they will afford care for their parents if a nursing home or extended care situation arises. MediCare provides very little benefits for long-term care expenses. A long-term care insurance plan will enable members not only to plan ahead, but also provide a plan in which their parents and grandparents can participate. CNA will offer the "Preferred Advantage 100" plan at a discount of 10% in addition to their other allowable discounts. 6) Group and Individual Health Insurance: Adequate health insurance coverage is a must today. The cost of health care is large and ever growing. Blue Cross of California is one of the most widely recognized names in health care in California and throughout the United States as well. Blue Cross assures you that you will be well served with their various programs. And. with all their choices, they provide a "value-added" membership benefit. FOR INFORMATION ABOUT THESE PLANS, contact: HOWARD L. BARTO, CLU hlbartoclu@pacbell.net 156 Diablo Road, #300 Danville, CA 94526 (925) 837-9555, ext.131 |
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Licensed for Securities Sales in California. Licensed for Insurance Sales in California.
CA Insurance LIC: 0504164
The Information in this website is for information purposes only and is
not intended as an offer of services or a solicitation of sales in any jurisdiction
where we are not licensed or the products described are not available.
Representatives of AIC do not provide tax or legal advice.
Please consult your tax advisor or attorney regarding your situation.
Securities and Advisory Services offered through Ameritas Investment Corp.(AIC). Member FINRA/SIPC.
AIC and David White & Associates are not affiliated.
