Disaster Mortgage Protection

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Disaster Mortgage Protection
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ACE Limited

• The Bermuda-based holding company of the ACE
  Group of Companies.
• Established in 1985 in Bermuda
• Global provider of Property Casualty insurance,
  reinsurance and financial services.
• Conducts business in over 50 countries
• Financial Stable Company
• Over 56 billion in assets as of year-end 2004
• Rated A (Excellent) AM Best

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ACE USA Overview

• ACE USA Created in 1999
• Acquired CIGNAs PC operations
• US operations based in Philadelphia
• Provides broad array of sophisticated property,
  casualty, accident health, financial, and risk
  management products and services to corporate and
  consumer clients

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What is Disaster Mortgage Protection?

• Disasters can and do happen.
• Most homeowners do not contemplate the financial
  impact of displacement from their homes such as
• Deductible expenses required prior to receiving
  the homeowners policy benefit
• Continuation of the mortgage payment regardless
  of the condition of the home
• A remaining mortgage balance in the event of
  condemnation of the home
• Job Loss
• Disaster Mortgage Protection Coverage from ACE
  USA can provide your customer with peace of mind.
  Their most valuable asset will be protected
  against the financial toll of displacement due to
  natural or household disasters.

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Disaster Mortgage Protection Coverage

• Property and Casualty Supplemental Insurance
  Policy that pays
• Monthly mortgage payment
• Principal and Interest and all included escrow
  items
• 250,000 mortgage balance payment if the home
  cannot be repaired on the existing lot
• Reimburses up to 500 of the homeowners policy
  deductible for a covered loss

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DMP Plus Endorsement

• Provides Additional Benefit
• 1,000 of Emergency Cash While Displaced
• Additional 500 Deductible Reimbursement for
  Contents for a Covered Loss
• Reimbursement for Locksmith Services When
  Accidentally Lock Out of the Home

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Premium Rating

• Mortgage Payment Bands

Claims benefits will equal the actual monthly
mortgage payment or the top level of the band
selected, whichever is less.
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Disaster Mortgage Protection Benefits

• Increase Customer Affinity with a Unique
  Value-add Program
• Increase Customer Affinity Through Financial
  Security and Peace of Mind
• Quality Customer Service at Claims Time and
  Through the Life of the Policy
• Increase bottom line performance with little
  investment
• Stable, Long Term Partner Provider
• Turn-key Implementation and Program Execution

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ACE USA Strengths

• Leader In US Market
• Over 10 Years Experience
• Customer Service
• Bank of America Vendor of the Year in 2002
• Wells Fargo Excellent Service Recognition in
  2005
• 3000 Claims Processed After Unprecedented 2004
  Storm Season

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Contact
Keith Winn - Agent Disaster Mortgage
Protection Phone [phone] E-Mail
kswinn_at_ncuis.com