They also must tell you if they’ve assessed that a product or service isn’t appropriate for you. If your lender is a federally regulated bank, they must offer and sell you products and services that are appropriate for you, based on your circumstances and financial needs. Make sure that the insurance meets your needs in terms of protection. Learn more about giving express consent for optional products and services. You must give your express consent to obtain this product. The lender cannot insist that you buy mortgage insurance. You don’t need to purchase optional mortgage insurance to be approved for a mortgage. Optional mortgage insurance is a type of credit and loan insurance that you're usually offered when you take out or renew a mortgage. Optional mortgage insurance products are life, illness and disability insurance products that can help make mortgage payments, or can help pay off the remainder owing on your mortgage, if you: Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY and Athene Life Re Ltd., Hamilton, Bermuda. Not all reinsurance products or structures offered are available in all jurisdictions. Reinsurers may not be licensed in all states. All transactions are subject to meeting a reinsurer’s underwriting requirements. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds.What are optional mortgage insurance products SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR ANY BANK AFFILIATE.NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY.Financial professionals will be paid a commission on the sale of an annuity. The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & Life Assurance Company, Athene Annuity & Life Assurance Company of New York, or Athene Securities, LLC. Please reach out to your financial professional if you have any questions about insurance products and their features. and PR. Annuity contracts and group annuity contracts are issued by Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY, in New York state. Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Insurance products may not be available in all states. These companies are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. For a full explanation of an annuity, please refer to the Certificate of Disclosure or Prospectus (as applicable) and contact your financial professional or the company for costs and complete details. This material is a general description intended for general public use.Īnnuity contracts and group annuity contracts are issued by Athene Annuity and Life Company (61689), West Des Moines, IA, and Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware, in all states (except New York), and in D.C. Annuities contain features, exclusions, limitations and availability that may vary by state and/or sales distributor.
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