Forms

IUB ADVANTAGE PLAN INFORMATION



Affinity Membership Benefits



Company Instructions



Company Agreement



Advantage Plan Application - AUTO



Advantage Plan Application - MORTGAGE

Advantage Plan Application - PROPERTY MANAGEMENT

Remittance Form - AUTO

Remittance Form - MORTGAGE

Remittance Form - PROPERTY MANAGEMENT

IUP Guidelines

Involuntary Unemployment Rules

• For the purposes of this information, “Accountholder” means the member of The Advantage Plan.
• “Involuntary Unemployment” means unemployment due to economic reasons including strikes, lockouts, individual and mass layoffs, or loss of income due to business failure or bankruptcy.
• The Accountholder has to qualify for State Unemployment Benefits.
• Involuntary Unemployment” does not include:
  
  Mandatory retirement as a result of an employer policy or other reason, or involuntary retirement.
  
  The Accountholder quitting or resigning from their employment.
  
  The Accountholder being terminated from employment as a result of willful misconduct, a transgression of some established and definite rule, a forbidden act, a dereliction of duty, where such transgression is willful, improper or wrongful behavior, which behavior is not mere negligence nor carelessness.
  
  Loss of income from self-employment for any reason.
  
  Independent Contractors that are 1099

The Advantage Plan Guidelines

• Prior to the effective date of the application, Accountholder must be employed 30 days prior to the effective date of The Advantage Plan membership and payment of the IUP benefit.
  
• After the effective date of the application, The Advantage Plan benefits will be in effect 30 days after the effective date on the application.
  
• The IUP benefit (Involuntary Unemployment Protection) has a 90 day waiting period before any claims are paid out.
  
• 2 people can be on the The Advantage Plan application but if only one has a job, only include that person that has a job on the application. If both have jobs and one member becomes Involuntary Unemployed, only 50% of the monthly payment to the Lienholder will be paid.
  
• The Advantage Plan benefits package is mailed to the Accountholder from the Insurance Company directly within 30 days.
  
• The underwriter for the insurance company will verify that the customer is Involuntary Unemployed.
  
• In case of an unwind (financing not approved by the bank) the full amount will be refunded to the company that provided the Membership to the customer.
  

The Advantage Plan Disclaimer
This is NOT an Insurance Policy. This is a membership called The Advantage Plan.
The company that offers the membership for the customers does NOT need to be licensed.
All claims will be filed by customer, directly to the Insurance Company. The Company providing the Membership Benefits and IUB Agency LLC does not get involved with claims.

Our customer service representatives are available to answer any questions. To contact us, you can call our Toll Free # at (888) 619 – 1117 or Click Here to Request Materials.

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IUB is funded by 4 A+ rated insurance companies.
IUB is a member of:

About Us

IUB Agency, LLC , provides The Advantage Plan, an Involuntary Unemployment Protection plan (IUP), to lenders and financers to protect customers when involuntary unemployment strikes. We are dedicated to helping companies and their customers prevent financial distress when Involuntary Unemployment strikes.

We have offices conveniently located in the Las Vegas and Los Angeles regions.

Office Locations

Corporate Headquarters
Las Vegas, NV

Sales Office:
Glendale, CA

Mailing Address:
PO Box 251689
Glendale, CA 91225

Our customer service representatives are available to answer any questions. To contact us, you can call our Toll Free # at (877)657 - 4542 or Click Here to Request Materials.

Request Materials

To contact us, you can call our Toll Free # at (877) 657 - 4542 or fill out the form below to Request Materials.

Affinity Membership Benefits

A. See America @ a Discount - with your own Personal Travel Agency

B. Up to 70% Off Cruise Line Specials

C. Discounts at Theme Parks, Attractions and Show Tickets

D. Up to 70% Off Select Resort Condominiums

E. Low Cost Airline Tickets

F. Car Rental Discounts

G. Hotel & Motel Savings at National Chains - Savings up to 50%

H. Emergency Cash Access at over 10,000 Locations Nationwide

I. Moving Services - Save up to 60%

J. Flowers / Gifts / Popcorn Factory Savings

K. Payment Guardian - Should you lose your job during the term marked on the application, we will make your loan payments for the amount and term indicated (See Terms and Conditions in your Membership Package).

L. Long Distance Discount Phone Rates - Savings Up to 65%

M. High Speed Internet Access Discount

N. Personal Toll Free Telephone Number at No Charge

O. Free Prescription Drug Card - Savings up to 65%

P. Recreational Vehicles and Motor Home Discounts

Q. 33% Savings on Dental Healthguard with Interest Free Dental Loans

R. Fitness Center Discounts at National Chains Nationwide

S. Durable Medical Supplies & Medical Equipment at Huge Savings

T. Diabetes Management Plan with Discounts on Testing Equipment and Supplies

Our customer service representatives are available to answer any questions. To contact us, you can call our Toll Free # at (888) 619 – 1117 or Click Here to Request Materials.

Tenants

Leasing Agents - Allow your renters to avoid eviction by offering Involuntary Unemployment Protection.

Benefits of The Advantage Plan for Leasing Companies:

Reduce Evictions:

• Peace of mind knowing if your renter loses their job, their rent is made to you on their behalf.

Increase Occupancy in your Rental Properties:

• Leasing Agents and Rental Properties advertising The Advantage Plan ( IUP + Affinity Membership) offer an enticing package to prospective renters, thereby increasing interest in your rental property.
  
  
• The Advantage Plan gives you the chance to compete with the other leasing companies.

Create an Additional Revenue Stream:

• Leasing Companies providing The Advantage Plan can profit from the program. You have the option to offer the The Advantage Plan to renters either as a free added value or an upsell product.
  
  
• As an upsell product, The Advantage Plan is a built-in profit center where you can profit on each plan you include. You can choose to upsell and make money or take the fee out of the down payments from the buyer.

Benefits of The Advantage Plan for Renters:

• Peace of mind knowing if they lose their job, their monthly payments are made on their behalf.
  
  
• In the event of involuntary job loss, the The Advantage Plan’s Involuntary Unemployment Protection plan will make payment of monthly amount due, up to a maximum monthly benefit.
  
  
• Protection of your renters credit rating.
  
  
• Confidence in doing business with a leasing company offering payment protection coverage through The Advantage Plan.
  
  
• An incentivizing component of The Advantage Plan: The addition of an Affinity Membership, providing discounts to renters for essential purchases in time of need.
  

Our customer service representatives are available to answer any questions. To contact us, you can call our Toll Free # at (888) 619 – 1117 or Click Here to Request Materials.

Mortgage

Mortgage Companies - Allow your homebuyers to keep their homes by offering Involuntary Unemployment Protection.

Benefits of The Advantage Plan for Mortgage Companies:

Reduce Foreclosures:

• Peace of mind knowing if your homebuyer loses their job, their mortgage payments are made to you on their behalf.

Generate Housing Sales:

• Mortgage Companies advertising The Advantage Plan ( IUP + Affinity Membership) offer an enticing package to prospective homebuyers, thereby increasing interest in home buying.
  


• The Advantage Plan gives you the chance to compete with the other mortgage companies.

Finance More Houses:

• The Advantage Plan will give your homebuyers the security to finance housing purchases.
  


• Your finance department can use The Advantage Plan as a selling tool to close more profitable deals:
  
  Example: Mortgage Companies who choose to profit from the plan by upselling, can use the additional money to pay commissions to brokers.

Create an Additional Revenue Stream:

• Mortgage Companies providing The Advantage Plan can profit from the program. You have the option to offer the The Advantage Plan to homebuyers either as a free added value or a product upsell.
  


• As an upsell product, The Advantage Plan is a built-in profit center where you can profit on each plan you include. You can choose to upsell and make money; you can finance it, or take the fee out of the down payments from the buyer.
  
  

Benefits of The Advantage Plan for Homebuyers:

• Peace of mind knowing if they lose their job, their monthly payments are made on their behalf.
  


• In the event of involuntary job loss, the The Advantage Plan’s Involuntary Unemployment Protection plan will make payment of monthly amount due, up to a maximum monthly benefit.
  


• Protection of your homebuyers’ credit rating.
  


• Confidence in doing business with a company offering payment protection coverage through The Advantage Plan.
  


• An incentivizing component of The Advantage Plan: The addition of an Affinity Membership, providing discounts to homebuyers for essential purchases in time of need.
  

Our customer service representatives are available to answer any questions. To contact us, you can call our Toll Free # at (888) 619 – 1117 or Click Here to Request Materials.

Automotive

Auto Dealerships - Allow your buyers to keep their vehicles by offering Involuntary Unemployment Protection.

HYUNDAI SALES ARE UP 18% SINCE THEY BEGAN OFFERING UNEMPLOYMENT PROTECTION – AND THEY DID THIS IN A DOWN ECONOMY!

There is a reason why General Motors, Ford, Auto Nation, Nissan and Hyundai give away unemployment payment protection to new car buyers….BECAUSE IT WORKS!

Buyers are beginning to go to new car showrooms to take advantage of this new plan. Now you can do the same thing as General Motors, Ford and Hyundai to increase your sales.

Benefits of The Advantage Plan for Automotive Dealerships:

No Payment Defaults:

• Peace of mind knowing if your customer loses their job, their monthly car payments are still made to your company on their behalf.

Generate and Close Sales:

• Dealerships advertising The Advantage Plan ( IUP + Affinity Membership) offer an enticing package to prospective customers, thereby increasing interest in vehicles and increasing sales.
  
• The Advantage Plan will give your customers the security to buy and finance your vehicles.
  
• Your finance department can use The Advantage Plan as a selling tool to close more profitable deals:
  
  Example 1: Dealerships, who choose to profit from the plan by upselling, can use the additional money to give customers added perks like gas cards, offer other free products, or pay commissions to sales representatives.
  
  Example 2: Instead of reducing the price of the vehicle, Dealerships can offer to pay for The Advantage Plan on behalf of the buyer and still make money on the sale.

Create an Additional Revenue Stream:

• Companies providing The Advantage Plan can profit from the program. You have the option to offer the The Advantage Plan to your customers either as a free added value or a product upsell.
  
• As an upsell product, The Advantage Plan is a built-in profit center where you can profit on each plan you include. You can choose to upsell and make money, you can finance it, or take the fee out of the down payments from the customer.

Beat the Competition:

• The Advantage Plan gives you the chance to compete with your major competitors.

Benefits of The Advantage Plan for your Customers:

• Peace of mind knowing if they lose their job, their payments can still be made.
  
  
• In the event of involuntary job loss, the The Advantage Plan’s Involuntary Unemployment Protection plan will make payment of monthly amount due, up to a maximum monthly benefit.
  
• Protection of your buyers credit rating.
  
• Confidence in doing business with a company offering payment protection coverage through The Advantage Plan.
  
• An incentivizing component of The Advantage Plan: The addition of an Affinity Membership, providing discounts to customers for essential purchases in time of need.

Our customer service representatives are available to answer any questions. To contact us, you can call our Toll Free # at (888) 619 – 1117 or Click Here to Request Materials.

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Involuntary Unemployment Insurance Protection

IUB Agency, LLC, provides The Advantage Plan, an Involuntary Unemployment Protection Plan (IUP), to mortgage lenders, auto dealerships and property managers in order to protect customers when involuntary unemployment strikes. We provide involuntary unemployment benefit recovery plans for your company to offer your customers, resulting in customer confidence, increased sales and recoupment of payments. With The Advantage Plan, you can provide your customers with an Involuntary Unemployment Benefit Plan packaged with an Affinity Membership Plan, offering discounts to essential products and services in times of need.

Automotive Dealerships

Mortgage Companies

Leasing Agents

Affinity Benefits

Renters Paradise USA - Build Your Credit While You Pay Your Rent! Renters Paradise USA will report your RENT PAYMENTS to your credit report and help improve your fico score by building your credit. Credit Bureaus are Equifax, Trans Union, Experian. Learn More.

How IUB Works

Any company that manufactures sells or installs a high ticket product that requires financing, needs Involuntary Unemployment Protection using “The Advantage Plan”, IUB Agency’s conveniently packaged IUP plus Affinity Membership program.

If the customer becomes involuntarily unemployed after making their purchase, we will make their monthly payment for them, up to the maximum amount and term chosen by the company (some plans up to 60 months!). This gives the customer peace of mind and the confidence to buy the product instead of having to worry about their job. Given the currently recessed market, consumers are afraid to add debt because they are concerned about their jobs. By offering The Advantage Plan, you will increase your visibility and sales by alleviating customer worries, while offering incentivizing benefits for your customers. You choose the terms; you choose the amount of benefits.

What is The Advantage Plan?

IUB Agency offers a unique package of Involuntary Unemployment Protection Plan (IUP) plus the added advantage of an Affinity Membership Plan, creating The Advantage Plan. The Advantage Plan is a membership based program.

Benefits of The Advantage Plan for Your Company

• No Payment Defaults: Peace of mind knowing if your customer loses their job, their monthly payments are still made to your Company on their behalf.


• Generate Sales:Companies advertising The Advantage Plan ( IUP + Affinity Membership) offer an enticing package to prospective customers, thereby increasing interest in your products / services and increasing sales.


• The Advantage Plan gives you the chance to compete with your major competitors.


• Close More Deals:The Advantage Plan will give your customers the security to buy and finance your products / services.


• Your finance department can use The Advantage Plan as a selling tool to close more profitable deals:


• Example 1: Companies who choose to profit from the plan by upselling, can use the additional money to give customers added perks like gas cards, offer other free products, or pay commissions to sales representatives.


• Example 2: Instead of reducing the price of the product or service, Companies can offer to pay for The Advantage Plan on behalf of the buyer and still make money on the sale.


• Create an Additional Revenue Stream: Companies providing The Advantage Plan can profit from the program. You have the option to offer the The Advantage Plan to your customers either as a free added value or a product upsell.


• As an upsell product, The Advantage Plan is a built-in profit center where you can profit on each plan you include. You can choose to upsell and make money, you can finance it, or take the fee out of the down payments from the customer.

Benefits of The Advantage Plan for Your Customers

• Peace of mind knowing if they lose their job, their payments can still be made.


• In the event of involuntary job loss, the The Advantage Plan’s Involuntary Unemployment Protection plan will make payment of monthly amount due, up to a maximum monthly benefit.


• Protection of your buyers credit rating.


• Confidence in doing business with a company offering payment protection coverage through The Advantage Plan.


• An incentivizing component of The Advantage Plan: The addition of an Affinity Membership, providing discounts to customers for essential purchases in time of need.

Which Companies Can Participate?

WORKS FOR ANY BUSINESS THAT OFFERS FINANCING TO THEIR CUSTOMERS!

SOME BUSINESSES WE WORK WITH ARE:

New Car Dealers, Used Car Dealers, Motorcycle Dealers, Boat Manufacturers, Furniture Stores, Banks, Credit Unions, Mortgage Brokers, Realtors,
Leasing Agencies,
Homebuilders,
Construction Companies,
Mobile Homes,
Swimming Pool Installers,
Major Appliance Stores

Our customer service representatives are available to answer any questions. To contact us, you can call our Toll Free # at (888) 619 – 1117 or Click Here to Request Materials.