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MOB PRESENTATION

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Table of Contents The impact of Predatory Lending Legislation Why is "MOB" touted as a better alternative for consumers? Rules for Traditional "MOB" Premium Calculations Rules for Traditional "MOB" Premium Calculations (cont.) Illustration of Traditional MOB Premium How does MOB compare with single premium net payoff coverage for the same transaction data? Illustration of Traditional Net Payoff Single Premium MOB / Single Premium Comparison Single Premium/MOB Comparison Single Premium, MOB Premium, No Insurance Monthly Outstanding Balance A&H (Disability) coverage Monthly Outstanding Balance A&H (Disability) coverage Based on Cash Monthly Outstanding Balance A&H (Disability) coverage Based on Payment Outstanding Monthly Outstanding Balance A&H (Disability) coverage MOB Premium Calculation Considerations Types of MOB Life Premium Calculations Hybrid – Premium Posted at EOM Issues for Discussion with MOB Calculations Negligible Principal Reduction on Long Term Real Estate Transactions Issues for Discussion with MOB Calculations MOB Transaction -Variable Premium Constant- EMR MOB Transaction - Level Premium - Ascending EMR Other Issues Associated with switching to MOB Insurance Other Issues Associated with switching to MOB Insurance (cont.) Options and Issues to think about Is MOB always a benefit to consumers???? How does early payoff affect the relationship between single premium and MOB premium calculations? What about states where MOB premiums will be greater than single premium net payoff coverage?
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