Mortgage Repayment Protection Insurance

Mortgage Repayment Protection Insurance is usually taken out at the time you apply for a mortgage.
You should seek suitable advice about arranging such cover from a suitably authorised person.
Mortgage Repayment Protection Insurance provides cover in the event of you being unable to work as a result of an accident or illness or being made involuntary unemployed.
The amount of cover is based on the amount of the monthly mortgage repayment plus you can also cover such things as the monthly buildings and contents insurance premium and mortgage related life insurance monthly premiums such as an endowment policy.
Mortgage Repayment Protection Insurance usually pays out for up to 12 months.
You do not usually have to have a medical to arrange such cover.
In the UK cover can usually be taken out as long as you work for at least 16 hours per week and are aged between 18 and 64.
The cover ceases once the mortgage is repaid or you reach age 65 or you retire or should you stop maintaining the monthly premiums or indeed should you just decide to cancel the policy.
Mortgage Repayment Protection Insurance can be taken out either just to cover one applicant or both applicants. If both applicants are covered and say they are both on the same income then the policy will pay out half of the amount of the monthly cover in respect of the applicant who is ill.
In the UK the cost of Mortgage Repayment Protection Insurance is based on the amount of the monthly cover you have arranged and will vary between the various companies who offer such cover.
Alan Hope runs a lifestyle management and concierge service business for both UK and Overseas clients.
Visit his website at http://www.arrangeitlifestylemanagement.co.uk/id70.html
Article Source: http://EzineArticles.com/?expert=Alan_Hope

Giving you access to a wide range of investments

Part of the investment planning process is selecting investments that fit within your asset allocation strategy and work together to help you accomplish your investment goals. And because your goals and needs may be different from other investors, we're dedicated to providing the widest array of investment products to help you meet them.
We offer fixed-income, equity and alternative investment products
Whether you're looking for fixed-income investments, equity investments or alternative investments2, your Financial Advisor can recommend the investment products most suitable for your current situation, financial goals, investment time frame, risk tolerance and Envision plan.

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How the Envision® process works
Combining goal-based advice with sophisticated modeling, the Envision process creates an effective, easy-to-understand method for prioritizing and achieving important life goals. Ultimately, the Envision process helps our clients live the one life they have the best way they can, without undue financial sacrifice or overexposure to risk.
Identify and prioritize goals
The Envision process begins by allowing you to explore what goals and dreams you have and what concerns you about being able to achieve them. This important step serves as the basis for the conversations your Financial Advisor will have throughout the process. What makes the Envision process so different is that throughout this conversation we explore your ability to achieve your goals in multiple scenarios, starting with the Ideal and the Acceptable.
In order to give you the opportunity to live as much of your Ideal scenario as possible, we use our Envision Priority Cards. This interactive activity ensures that you and your Financial Advisors are on the same page, working together to help achieve those goals you value most.
Develop and implement an investment plan to help you reach your goals
Upon gaining an understanding of your ability to live either your Ideal or Acceptable scenario, we also create a Recommended scenario for you that incorporates your goals and/or concerns that you value most.
Based on your goals, dreams, concerns, risk tolerance and financial situation, our Financial Advisors can propose appropriate asset allocations needed to help you achieve your goals. This product neutral approach allows our Financial Advisors the freedom to select products they feel will best help you attain your goals.
Monitoring your progress (the “Dot”)
The most important part of the Envision process is the way you are able to monitor your progress toward the goals and dreams you wish to accomplish. Your Envision plan updates each night and creates a benchmark unique to your goals and situation. This information displays on your statements and online where it is updated monthly.
Change may be one of the largest challenges you face, whether it is change in your life or in the world around you. As change happens, it is very easy to update your Envision plan to reflect that change and measure the impact it has on your ability to achieve the stated goals.
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Why Wells Fargo Advisors
Envision® Process
Products & Solutions
Advisory Services
With Wells Fargo Advisors, you get a registered financial advisor, who will listen closely to understand your unique situation and needs and work with you to provide insight, planning, guidance, ongoing investment management and monitoring.

For more than 160 years, Wells Fargo has earned the trust of clients as one of the nation’s largest and most experienced financial institutions. Our 15,000 registered financial advisors have an average of more than 10 years of investment management experience. Your advisor will closely monitor your assets and provide sound strategies to make the most of your investment portfolio.
We can help you:
Identify and achieve your goals. Your financial advisor works with you to identify and understand your unique goals and needs. Whether it’s a portfolio review or investment advice, retirement planning, education funding, growing your business, or estate strategies, we’re here to answer your questions and help you on the way to achieving your goals.
Design and customize your investment strategy with our Envision® planning process. Combining goal-based advice with sophisticated statistical modeling, our Envision planning process creates an effective, easy-to-understand method for prioritizing and pursuing important life goals. Your financial advisor uses the Envision planning process to develop your investment plan that’s designed to help you live and retire the way you want.
Stay on track with regular communication. Your financial advisor pro-actively reaches out to you with regular financial statements and market updates that help you keep up with changes in your life and optimize your investments.
Gain unlimited access to world-class resources, news and proprietary research. Backed by world-class experts, top market analysts and staff, you’ll have unlimited access to a wealth of resources and industry information from news and white papers to proprietary research.
Work with us your way. You can choose to work with one of our financial advisors in person or with a team of experienced, registered professionals over the phone. However you choose to work with a financial advisor, you always have unlimited access to your account online. Locate a financial advisor near you.

What Renters Insurance Covers

Do you live in a rental apartment, duplex, condo, townhouse, dorm, or other leased property? While your landlord’s insurance coverage protects the building you live in, it is up to you to protect your personal property. For a very affordable price, renters insurance coverage protects your personal property, and renters insurance will even reimburse you for reasonable living expenses if you are displaced as a result of a covered event – like a fire. Plus, if someone has an injury while at your home and consequently sues you, renters insurance coverage can help protect your assets.
Protect your personal property
With renters insurance coverage, your personal property can be insured for losses due to a variety of reasons, including:

Break In
Fire
Smoke
Vandalism
Windstorm
Lightning
Earthquake (optional and available in California only)
What renters insurance coverage protects
Renters insurance coverage protects items that are found in an "average" home, such as your TV, stereo, computer, or clothing. Depending on the insurance policy, renters insurance can also provide:
Personal property replacement, which pays for the cost to repair or replace most covered items without deduction for depreciation (up to the policy limits)
Insurance coverage up to $100,000 for personal liability claims made against you for bodily injury or property damage to which coverage applies
Insurance coverage for guest medical benefits, additional emergency living expenses, and credit card protection (within policy limits)
Insurance coverage of the personal property in your car, garage, or storage unit. For example, if your computer is stolen from your car, the loss would likely be covered by your renters insurance.
More about renters insurance coverage.
Need more information? Read our frequently asked questions.
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Renters Insurance

Why buy renters insurance?
You likely have a lot of personal property worth protecting, but your landlord’s insurance probably doesn’t protect it if there is a fire, break-in or other unfortunate event.

Renters insurance is affordable
With policies starting as low as 57¢ a day, renters insurance is more affordable than you may think – which probably costs less than replacing everything you own.

Can you afford to replace your possessions?
If something were to happen, do you have enough money to replace your personal property like your furniture, clothes, electronics, jewelry, and other items? To find out just how much your things are worth, complete a Personal Property Inventory (PDF)* to find out what coverage level is right for you.

Are you covered?
Your landlord’s insurance policy does not cover your personal possessions and most landlords are starting to require that you purchase a renters insurance policy. Also, if you are a student, your parent’s homeowners policy might not cover your possessions.
Choose the insurance coverage that’s right for you with these steps:
Get prepared.
Think about what your personal property is worth. If you have time, complete a Property Inventory (PDF)*.Ready to get a quote?
Visit American Modern or call Wells Fargo Insurance at
1-866-294-2571.Decide on the details.
Choose the deductible and coverage level that is right for you.Purchase your policy online or by phone.
It's that easy!

Umbrella Liability Insurance

Umbrella liability insurance is designed to protect you against losses that go above the limit of your homeowners, auto, renters, and other insurance policies. It helps protect your assets when your original policy’s liability limits are exhausted; for example, if someone is injured on your property and sues you.
An umbrella policy kicks in when you reach the limit of your underlying liability coverage. If you have liability limits of $300,000 on your homeowners policy and $500,000 on your auto insurance policy, purchasing a $1,000,000 umbrella policy raises your limits to $1,300,000 and $1,500,000 respectively. An umbrella policy can also help protect you when there is no underlying limit requirement.
An umbrella policy can help:
Cover attorney’s fees
Pay for settlements and judgments against you
Protect you in cases of libel and slander
Many people find an umbrella policy makes sense because of the added protection it can provide. This type of policy is especially important if you have assets to protect – like a home or if you want to help ensure that an unfortunate event will not put the personal assets you have worked so hard for at risk.
Call Wells Fargo Insurance to talk about adding an umbrella liability policy to the coverage you already have.
Need more information? Read our frequently asked questions
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