Two-story craftsman home with a gray exterior and green lawn

Symmetry Financial Group

Mortgage Protection

Protect your most valuable asset: your home.

Anthony Pampena

Field Underwriter · Life Insurance & Mortgage Protection

NPN 21534216 · 412.855.5846

[email protected]

Anthony, Erin and baby Mary posing under a tree

Symmetry Financial Group

Life Insurance

Protect yourself and your family.

Anthony Pampena

Field Underwriter · Life Insurance & Mortgage Protection

NPN 21534216 · 412.855.5846

[email protected]

Credentials

Licensed in 13 states

Anthony Pampena business card: Field Underwriter, NPN 21534216

North Carolina driver license for Anthony Pampena

National Producer Number

21534216

Verify any license at sbs.naic.org (NAIC license lookup).

Anthony Pampena · NPN 21534216

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State insurance license

California

Life & Health

License # 4456565

California Department of Insurance producer license for Anthony Pampena

Anthony Pampena · NPN 21534216

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State insurance license

Georgia

Life & Health

License # 3797052

Georgia non-resident agent license for Anthony Pampena

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State insurance license

Illinois

Life & Health

License # 21534216

State of Illinois insurance producer license for Anthony Pampena

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State insurance license

Maryland

Life & Health

License # 3003586341

State of Maryland non-resident insurance producer license for Anthony Pampena

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State insurance license

Maine

Life & Health

License # PRN512340

State of Maine non-resident producer license for Anthony Pampena

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State insurance license

Michigan

Life & Health

License # 1370530

State of Michigan non-resident producer license for Anthony Pampena

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State insurance license

New Mexico

Life & Health

License # 21534216

State of New Mexico insurance producer license for Anthony Pampena

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State insurance license

North Carolina

Life & Health

License # 21534216

North Carolina Department of Insurance producer license for Anthony Pampena

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State insurance license

Ohio

Life & Health

License # 1649908

State of Ohio Department of Insurance non-resident license for Anthony Pampena

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State insurance license

Pennsylvania

Life & Health

License # 1241077

Commonwealth of Pennsylvania resident producer license for Anthony Pampena

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State insurance license

Tennessee

Life & Health

License # 3003586369

State of Tennessee insurance producer license for Anthony Pampena

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State insurance license

Texas

Life & Health

License # 3317893

Texas Department of Insurance general lines agent license for Anthony Pampena

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State insurance license

Virginia

Life & Health

License # 1502664

Virginia producer license for Anthony Pampena

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A little about me

My family

Meet Erin & baby Mary

Baby Mary peeking out from inside the refrigerator

Anthony Pampena · NPN 21534216

Symmetry Financial Group

How I help

Role & purpose

01

My role

I’m a state-licensed broker representing 30+ insurance carriers, each suited to different people and situations.

Some fit diabetics or high blood pressure; others fit younger people in perfect health.

02

My expertise

Navigating your options and narrowing them down to the best fit for you, based on your health, your needs and your budget.

03

My purpose

Helping you apply for that coverage and working with the underwriters to get it approved, so your family is protected.

Anthony Pampena · NPN 21534216

Symmetry Financial Group

A few quick questions

Verifying information

Mortgage

Mortgage amount
Home value
Length: 15, 20 or 30 years
Monthly payment
Paying anything extra?

Health

Prescription medications
Smoker / non-smoker
Major surgeries
Heart problems
High blood pressure
Stroke

Cancer
Asthma
Arthritis
COPD
Diabetes
Disabled?

Financial

Employment
Income per person
Existing life insurance

Anthony Pampena · NPN 21534216

Symmetry Financial Group

Why it matters

90%

of families are in jeopardy of losing their home when a breadwinner passes.

Understanding your concerns

01

Main concern

What’s your biggest concern when it comes to putting this protection in place for your family?

02

Financial impact

If your spouse were to pass away, what would life look like financially for you and your family?

03

Future plans

Would you want to stay in your home or move? If staying, could you afford it? If moving, where would you go: rent, move in with family, or buy another home?

FMP

MPP

Option A · Full or blended

Knowing your options

Option 1

Full mortgage payoff

Covers 75–100% of the mortgage, depending on your needs
Harder to qualify for, and can leave you over-insured as you age or develop health issues

Option 2

Partial payoff (blended plan)

Partial coverage for natural death
Additional coverage if death is from an accident

Example (option 2)

$200k mortgage

$100k for death from natural causes

$200k total for death from an accident

Option B · Payment protection

Knowing your options

Option 1

Full mortgage payoff

Harder to qualify for; can leave you over-insured as you age or develop health issues

Option 2

Payment (equity) protection

Buys time to decide what to do with the house: refinance, sell or stay

● Pays 6, 12, 18 or 24 months of mortgage payments

● Most popular plan after age 60 or with significant health concerns

● Psychologists advise no big decisions for at least 12 months while grieving

● Time to list the house, pack, find a new home and sell to keep the equity

Paid to your family, not to the bank.

Full / partial mortgage payoff

How it works

Level death benefit

The amount never decreases

Paid to your family

Not to the mortgage company

Fixed premiums

Your monthly rate never changes

Portable

Coverage stays in place if you move

Terminal illness

A portion of the benefit can be paid early

Accidental death benefit

Additional money if death is from an accident

No medical exam

Qualify without needles or lab work

Paid to your family, not to the bank.

Mortgage payment protection

How it works

Level death benefit

The amount never decreases

Paid to your family

Not to the mortgage company

Fixed premiums

Your monthly rate never changes

Portable

Coverage stays in place if you move

Cash value

Borrow from the policy, or get a payout if surrendered

Terminal illness

A portion of the benefit can be paid early

Accidental death benefit

Additional money if death is from an accident

No medical exam

Qualify without needles or lab work

Protection that fits your family and your budget.

Let’s look at options

Selecting your plan

As we go over specific options, it’s important we find something that…

01

Gets you the protection you need

02

Fits within the budget

If any option is out of budget, just let me know so we can adjust.

Selecting your plan

[Client Name] ([ST])

Which option gets the coverage your family needs and fits the budget?

Option 1

$000,000 for any type of death

$000,000 if death is from an accident

$000/mo

Option 2

$000,000 for any type of death

$000,000 if death is from an accident

$000/mo

Option 3

$000,000 for any type of death

$000,000 if death is from an accident

$000/mo

Anthony Pampena · NPN 21534216

[Carrier · Product + AD rider]

Selecting your plan

[Client Name] ([ST])

Which option gets the coverage your family needs and fits the budget?

Option 1

18 months of mortgage payments ($00,000)

Additional $000,000 if death is from an accident

$000/mo

Option 2

12 months of mortgage payments ($00,000)

Additional $000,000 if death is from an accident

$000/mo

Option 3

6 months of mortgage payments ($00,000)

Additional $000,000 if death is from an accident

$000/mo

Anthony Pampena · NPN 21534216

[Carrier · Product + AD rider]

Selecting your plan

[Client Name] ([ST])

Which option gets the coverage your family needs and fits the budget?

Option 1

36 months of mortgage payments ($00,000)

$000/mo

Option 2

24 months of mortgage payments ($00,000)

$000/mo

Option 3

12 months of mortgage payments ($00,000)

$000/mo

Anthony Pampena · NPN 21534216

[Carrier · Product]

Selecting your plan

[Client Name] ([ST])

Which option gets the coverage your family needs and fits the budget?

Option 1

$000,000 for death from natural causes

Additional $000,000 if death is from an accident

$000/mo

Option 2

$000,000 for death from natural causes

Additional $000,000 if death is from an accident

$000/mo

Option 3

$000,000 for death from natural causes

Additional $000,000 if death is from an accident

$000/mo

Anthony Pampena · NPN 21534216

[Carrier · Product + AD rider]

Selecting your plan

[Client Name] ([ST])

Which option gets the coverage your family needs and fits the budget?

Option 1

$00,000 death benefit for any type of death

$000/mo

Option 2

$00,000 death benefit for any type of death

$000/mo

Option 3

$00,000 death benefit for any type of death

$000/mo

Anthony Pampena · NPN 21534216

[Carrier · Product]

Selecting your plan

[Client Name] ([ST])

Which option gets the coverage your family needs and fits the budget?

Option 1

$000,000 if death is from an accident

$000/mo

Option 2

$000,000 if death is from an accident

$000/mo

Option 3

$000,000 if death is from an accident

$000/mo

Anthony Pampena · NPN 21534216

[Carrier · Product]

Next step

Let’s complete your application

Remember, you have 30 days after you receive the policy to make any changes.

If you want to change anything, just give me a call.

Anthony Pampena

Your caseworker

Save my number

412.855.5846

[email protected]

You’re protected

Congratulations!

Future communication

Calls will come from me or the underwriter. If anyone else calls about mortgage protection, give them my number so no one wastes your time. Save my number.

Don’t fill out any more forms; they’ll just come back across my desk.

I’m your caseworker. For questions, beneficiary changes or anything else, give me a call.

Share your beneficiaries’ and emergency contacts’ phone numbers with me so I can reach your family if anything ever happens.

If we get declined

If for any reason this doesn’t get approved, that’s okay.

I work with 30+ carriers. We’ll get back together and go to plan B.

412.855.5846

Anthony Pampena · NPN 21534216

Symmetry Financial Group