Jesse Carter-Home Loan-Asset Protection

04/17/2024

03/18/2024

Life insurance is a must!
Be prepared for everything!

03/06/2024

Market Month February 2024:
Welcome to the February 2024 edition of Market Month. Solid corporate earnings data and inflationary data in line with expectations helped drive stocks higher in February. Each of the benchmark indexes posted monthly gains, led by the Nasdaq (6.1%), followed by the Russell 2000 (5.5%), the S&P 500 (5.2%), the Global Dow (3.0%), and the Dow (2.2%). Year to date, the Nasdaq (7.2%) leads the way, followed by the S&P 500 (6.8%), the Global Dow (3.5%), the Dow (3.5%), and the Russell 2000 (1.4%). You shouldn’t rely on this information as financial guidance. Don’t hesitate to call your financial professional and get answers to questions about how market changes might affect your own portfolio. The DJIA is a price-weighted index composed of 30 widely traded blue-chip U.S. common stocks. The S&P 500 is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries. The NASDAQ Composite Index is a market-value weighted index of all common stocks listed on the NASDAQ stock exchange. The Russell 2000 is a market-cap weighted index composed of 2000 U.S. small-cap common stocks. The Global Dow is an equally weighted index of 150 widely traded blue-chip common stocks worldwide. Market indices listed are unmanaged and are not available for direct investment. Chart reflects price change, not total return; because it does not include dividends or splits, it should not be used to benchmark performance of specific investments. DATA SOURCES—Performance calculated based on data reported in WSJ Market Data Center. All information is based on sources deemed reliable, but no warranty or guarantee is made as to its accuracy or completeness. Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities and should not be relied on as financial advice. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing strategy will be successful.

02/09/2024

The resilient jobs market defies expectations, leading to higher interest rates and low delinquencies in the mortgage industry.

02/09/2024

Most people don’t think of Arizona as a skiing destination, however, we have some great options for skiing and snowboarding, especially when we get the snowfall we’ve had over the past few weeks!

We put together a few links that can help you take advantage of our Arizona Snow!

Mt. Lemmon Ski Resort – Southern Arizona
Today Ski Valley is the southernmost ski destination in the continental United States. The top elevation of Ski Valley is 9,157 feet (2,791 m) above sea level and has 200 skiable acres with 21 runs.
https://www.skithelemmon.com/

Arizona Snowbowl Ski Resort – Where Arizona Skis!
Ski resort home to 260 inches of average snowfall, 2,300 ft. vertical drop & the largest beginner terrain in the Southwest – Snowbowl is Where Arizona Skis.
www.snowbowl.ski

Snowbowl Shuttle
If you’re an Arizona native like me, you may not like driving in the snow. Snowbowl has an answer for that! The Snowbowl Shuttle!
https://www.snowbowl-shuttle.com/about-the-trip

FREE Snowbowl Shuttle (must be in Flagstaff)
https://www.snowbowl.ski/the-mountain/free-flagstaff-shuttle/

Sun, Ski, Sports – Your go-to for all your skiing and snowboarding needs!
www.sunandski.com

Action Ride Shop – Another great place to purchase or rent gear!
www.actionrideshop.com

The best part is you can enjoy a couple hours of skiing/snowboarding then come back to the valley and play a round of golf or go hiking! So many reasons why we love Arizona!

02/07/2024

https://www.sfglife.com/retirement/

CONTACT ME FOR MORE INFORMATION!
https://jessecarter.insurance-pro.org/home-5134

Making smart choices about retirement planning can mean the difference between having the income you need to live the lifestyle you want or struggling.

02/07/2024

Buying a home is probably one of the most significant financial decisions many people will make in their lives, and it pays to be protected while making such a substantial investment. There are many ways to go about this.

For example, home and contents insurance protects homeowners from the worst-case scenarios that could occur to their properties. Another type of insurance, known as mortgage protection insurance, assists homeowners in paying out the remainder of their home loans if they’re unable to make monthly repayments due to unforeseen circumstances.

How Does Mortgage Protection Work?
Mortgage protection is a type of disability or life insurance that pays off a home loan’s outstanding balance if the mortgage holder dies or has a significant disability that prohibits them from working.

Mortgage protection insurance (MPI) policies typically cover the interest and principal portion. Different fees incurred by homeowners like home and contents insurance, property taxes, and HOA dues are usually excluded. Still, policyholders might be able to cover these expenses by purchasing a rider.

MPI is sold by independent insurance companies and insurance agencies affiliated with mortgage lenders. It can usually be purchased within 24 months of a loan’s closing, but some providers allow up to five years.

The policy duration is the same as the length of the mortgage. The terms and conditions vary, but in general, if the policyholder dies or becomes incapacitated during the policy term, lenders will get a payout equal to the amount owed.

Benefits of Mortgage Protection
Here are some advantages of taking out this kind of coverage:

High Acceptance Rate:
Convenience is one of the benefits of purchasing MPI. Anyone can buy a policy, and often no medical exam is needed in the underwriting process. This is useful for those who have a pre-existing illness or condition that disqualifies them from other forms of life insurance or raises their life insurance rates to alarming levels.

Gives You Certainty:
Another advantage of MPI is that it eliminates the guesswork of repaying a mortgage. Getting a lump sum payment from a standard term policy can be intimidating. The mortgage protection insurance coverage is equivalent to the mortgage balance, and the money will only be used for that purpose. Your family will never have to be concerned about having a roof over their heads.

Supplements Life Insurance:
MPI is an excellent way to supplement life insurance coverage. Suppose your mortgage is paid off using the money of a mortgage life policy. In that case, your family may be able to use all your term’s benefits or whole life insurance policy to cover bills and other expenditures.

Are you considering mortgage protection insurance?

Contact us for a free analysis today! You'll thank me tomorrow!

02/07/2024

There are certainly some difference in coverage!
Protection starts with understanding the potential loss!

02/07/2024

Do you know which coverage is best for you?
It can be overwhelming for most.

07/19/2023

Inflation has an impact on everyone! See how it impacts almost every day to day activity we do.

https://www.usinflationcalculator.com/inflation/current-inflation-rates/