ABOUT: Whole HARMLESS Advantage

2011-03-21T08:38:00.003-07:00

HELD HARMLESS

Whole HARMLESS Advantage

ONE Product that Shields and/or Compensates one of TWO (2) People.

It's NOT Insurance but it is How Insurance SHOULD BE.

SHIELD, BORROW AND SAVE WITH
HELD HARMLESS & Whole HARMLESS Advantage!

WORKING TOGETHER FOR YOU!

HELD HARMLESS shields you from problems BEFORE they arise, and

Whole HARMLESS Advantage compensates you from the ones that slip-by…

AUTO – HOME – LIFE - HEALTH – BUSINESS – AND MORE!

It's a COMPENSATION PLAN for your losses...
It's a SAVINGS PLAN when you need cash fast...

You can borrow against it, use it as an insurance alternative, or

just tuck it away for a rainy-day...

WHAT IS A “Whole HARMLESS Advantage Plan”?

A “Whole HARMLESS Advantage Plan” is one product that compensates one of two (2) people (either your wife, son, daughter, mother, father, partner, or any one other assigned) for finacial losses in a variety of circumstances:

AUTO – HOME – LIFE - HEALTH – BUSINESS – AND MORE!

ALL IN ONE PRODUCT!

A Whole HARMLESS Advantage Plan is a fully comprehensive product which financially reimburses losses (to the MAX value of a specific Plan):

Plan “A”: $10,000 MAX Compensation

Plan “B”: $50,000 MAX Compensation

Plan “C”: $100,000 MAX Compensation

Unlike insurance, where a policy is needed to cover each potential loss (auto, health, home, etc.), Whole HARMLESS Advantage Plans compensate financial losses to the MAX value of each Plan; regardless of the styled loss.

You Can Sign-up Any Time Here or At: www.HeldHarmless.com

HOW DOES “Whole HARMLESS Advantage” WORK?

It’s very simple: Whole HARMLESS Advantage is based on long-standing principles of trust, honesty and the faithfulness of our member-customer relationships. Think of it as the hand-shake of the past. In this case: “You promise to stay, and we promise to pay.” Which means: if you promise to be our customer, we promise to compensate you for your losses. We rely on your patronage today, in order to compensate you for your losses tomorrow; the way business should be!

IT'S A SAVINGS / LENDING PROGRAM:

a.) You can pledge your Plan to get a low-cost ($10,000, $50,000 or $100,000) CREDIT LINE

use it for a home down-payment
to pay-off bills and credit cards
to start a business
to pay medical bills
to go on vacation
...and more.

b.) You can let your Plan build over time like a savings account or an annuity

c.) We can report your Plan to the credit bureaus to build credit and/or improve your credit score

...and more!

IT'S AN “ALL-IN-ONE” ALTERNATIVE INSURANCE PRODUCT:

Whether you are fully insured or uninsured, you can use our Plan for:

AUTO: Our Plans qualify as self-insurance in most States (Certificate of Self Insurance)
HEALTH: Use our Plans to pay doctors, medical bills, medical procedures, etc. (including pre-existing conditions)
LIFE: Set a Plan aside for those unexpected expenses
HOME / BUSINESS: Use a Plan to make repairs or improvements, update or remodel, expand, etc.
...and more!

WHAT ARE THE TOP 3 ADVANTAGES OF A “Whole HARMLESS Advantage Plan”?:

1. We are comprehensive (one Plan for every need:

AUTO – HOME – LIFE - HEALTH – BUSINESS – AND MORE!

2. We are affordable.

3. We are NOT insurance!

You Can Sign-up Any Time Here or At: www.HeldHarmless.com

KEEP IN MIND:

Whole HARMLESS Advantage is the only alternative to not being insured and/or if you do have insurance, we keep you from using your policy.

It is not often individuals or businesses make multiple insurance claims in a one year period; some go for many years without ever making a single call to their insurance carrier or broker. Nevertheless, insurance companies require that a separate policy be kept on each risk (home, auto, life, etc.).

Annually, these insurance premiums are paid and eventually “lost” as they build no equity nor carry a residual value. The only return you receive is the opportunity to pay the same amount (or slightly higher) next year for coverage you may or may not use once again. It’s money spent and gone forever – unless you use the policy. The down-side of using the policy is that you need to pay a hefty deductible fee to get paid, your rates go up and you run the risk of being dropped. Not to mention that your claim is forever recorded and that you become a “high risk” as claims are made and time goes by; but not with Whole HARMLESS Advantage.

Whole HARMLESS Advantage is based upon need; not greed. It is for this reason we made the Plans so simple, fully comprehensive and affordable.

QUICK FACTS:

A Whole HARMLESS Advantage Plan compensates one of two people per Plan to the MAX value of a Plan for ANY financial loss in a one (1) year period, thus, allowing you to maintain one product to shield all losses.

Even more exciting, a Whole HARMLESS Advantage Plan financially grows over time if you do not use it. Therefore, over time, you can borrow against the cash value of your Plan to: pay off loans or credit card debt, go on vacation, start a new business, go to school, build credit and so much more. You Plan grows with you!

ENJOY OTHER IMMEDIATE BENEFITS SUCH AS:

HARMLESS Credit (coming soon - 2011)
HARMLESS Mortgage and Lending (coming soon - 2011)

…AND MORE!

You Can Sign-up Any Time Here or At: www.HeldHarmless.com

Where insurance companies require you to purchase a policy to underwrite or cover each and every risk (auto, health, home, life, business, etc.), Whole HARMLESS Advantage provides one product that compensates you for those similar unexpected losses and expenses - all in one product. Unlike insurance, Whole HARMLESS Advantage does not penalize you for using your Plan. Rather, each Whole HARMLESS Advantage Plan grows in value the longer you don’t use or need it. Whole HARMLESS Advantage is based on “need”; not “greed”. When you commit to a Whole HARMLESS Advantage Plan, we commit to you!

Get the Whole HARMLESS Advantage:

It is not insurance; It’s BETTER!

It is a Credit Line that compensates you for your losses

It is a financial resolution to unexpected problems, expenses or accidental mishaps

It is a growing asset to use in the future

It is affordable

It is comprehensive

If you need to use your Plan, the following is required:

o Submit a Compensation Application up to the MAX of your Plan

o Sign a five (5) year Promissory Note for the value of your compensation

o Agree to stay-on as a client for five (5) years from the date compensation in paid and continue paying on that Plan.

o Sign-up for a new Plan equal to or greater than the one use for compensation

NOTE: At the end of the five (5) year period, the Promissory Note is considered satisfied and forgiven (or) if you cancel your Plan (either the one being used or the required repurchased Plan) prior to the end of the obligatory five (5) year term, the Promissory Note is activated for repayment and a payment Plan is initiated. The failure to keep-up or maintain a Plan after being compensated will lock-you-out of repurchasing any new or additional Plan(s) until the Promissory Note is repaid in full. To prevent this, we recommend escrowing one of your Plans payments for the five (5) year term out of the compensation.

If you don’t use it:

o The income builds as a savings type product

o You can borrow against it

o You can cash it in

o You can assign it

o You can merge them with other Plans

o You can transfer the cash to a bank or brokerage account

o You can buy stocks, bonds, treasuries, etc.

NOTES TO PRODUCT:

- Compensation may only be requested to satisfy a legitimate need. All compensation payments must be documented with the Plan. It is for this reason we follow the standardized insurance guidelines; for simplicity and clarity purposes. They are standards to which the general public is most familiar.

- Only one (1) compensation payment may be made per Plan. (you may use your Plan for any need but only one (1) compensation payment will be made per Plan)

- All members must purchase a new Plan simultaneously upon requesting compensation. This guarantees our continued commitment while your initial Plan is compensating your financial request.

- Whole HARMLESS Advantage maintains the right to amend, adjust, modify or limit any Plan or MAX number of allowable Plans at any time without prior notice.

- Any claims made within the first six (6) months are paid in portions. In some cases an early activation fee may be required.

THE PRODUCT WORKS FOR:

o Auto needs

o Health /Medical needs

o Home and Business needs

o Life matters

o …or anything financially unexpected

You Can Sign-up Any Time Here or At: www.HeldHarmless.com

INSURANCE vs. Whole HARMLESS Advantage Plans (WHA Plans):

a.) Insurance is extremely expensive (vs.) a WHA Plan s very affordable.

b.) Insurance requires a policy for each risk (vs.) a WHA Plan is all inclusive.

c.) Insurance carries a deductible fee per claim (vs.) a WHA Plan does not.

d.) Insurance rates go up per claim (vs.) a WHA Plan never increases.

e.) Insurance records and penalizes for making a claim (vs.) a WHA Plan does not.

f.) Insurance payments are made but do not accumulate (vs.) a WHA Plan grows in value annually.

g.) Insurance only pays when there is trouble (vs.) a WHA Plan can be borrowed against if not being used for compensation (certain terms apply)

h.) Insurance can drop you at any time (vs.) a WHA Plan will not drop you as long as you are in good standing

Need to Use Your Plan? Treat it like an insurance claim (but remember, we are not insurance or an insurance product). We use the “insurance claim” process to secure your compensation requests. Why? Because it is a standardized process familiar to practically everyone.

You Can Sign-up Any Time Here or At: www.HeldHarmless.com

FAQ (Frequently Asked Questions):

1. Who is HARMLESS Holdings Trust, HELD HARMLESS and Whole HARMLESS Advantage?

- We are a private finance organization which originates, finances, and services private Promissory Notes which are created and secured for the purposes of compensating losses.

2. For what may I use a Whole HARMLESS Advantage Plan?

- You can use your Plan for any verifiable financial need (AUTO – HOME – LIFE - HEALTH – BUSINESS – AND MORE!)

3. Can I get various valued Plans to reach a MAX compensation?

- Yes. You can get various Plans to meet the financial compensation goal(s) you need, however, the same rules apply to each Plan when requesting compensation.

- EXAMPLE: $70,000 in MAX Compensation is: Plan B + Plan A + Plan A = $70,000

4. How are HELD HARMLESS and Whole HARMLESS Advantage tied together?

- HELD HARMLESS shields you from problems BEFORE they arise, and

- Whole HARMLESS Advantage compensates you from the ones that slip-by…

5. How do I use my Plan when I need it?

- Because the industry standards of insurance are so well known, we use the same processing methods of an “insurance claim” but we are not insurance nor an insurance product.

6. How long does it take to get paid once I submit my compensation request?

- Once a complete application is received, funding against your Promissory Note can be received in as little as 48 hours.

7. What Are the requirements to using my Plan?

- In order to obtain compensation against a Plan, three (3) things need to happen:

a.) AGREE TO A REPLACEMENT PLAN: Whenever you use your Plan, you must agree to sign-up for a replacement Plan; this renews and continues our compensation agreement for any further needs while utilizing the existing Plan under which you are receiving compensation. The replacement Plan must be equal to or greater than the Plan you are using for compensation.

b.) AGREE TO GUARANTEE THE VALIDITY OF YOUR NEED: As a guarantee of your patronage over the period we are compensating your loss, we ask that our members sign a five (5) year Promissory Note for the value of the dollars paid. As long as you remain a member-in-good-standing for the term of five (5) years after your need has been paid, the Promissory Note is forgiven. If you fail to comply with your obligation, we will require that the Promissory Note be repaid in full.

c.) A COMPLETE APPLICATION MUST BE SUBMITTED: As the world is so very familiar with the standardized “insurance claim” process, we ask that all compensation requests be submitted in the same manner that an “insurance claim” would be handled. (please see our Compensation Request Application Forms)

8. Can I borrow against my Plan if I am not using it?

- If you have not used your Plan for compensating a loss, you may borrow against a percentage of your Whole HARMLESS Advantage Plan based on patronage. The longer you have been a member-in-good-standing, the more you can borrow (please refer to the Lending Term Sheet for rates and percentages). If you need the money at any time, simply pledge/assign you Plan to a Promissory Note. After five (5) years of being a member-in-good-standing, the note is forgiven. (NOTE: using your Plan for a loan requires the same process of making a request for compensation. Once a payment is made against a Plan, you must replace it with an active Plan equal to or greater than the one being used.)

9. What are some examples of how a Whole HARMLESS advantage works?

- AUTO / CAR: A Whole HARMLESS Advantage Plan is similar to being self-insured; but it’s NOT insurance. Each State allows you to be self-insured by maintaining an allocated amount of money specifically used to cover damages sustained in an auto accident. Should you have an auto accident; you would follow the normal “insurance industry” procedures, but be compensated according to your Plan. Simple and easy. (NOTES FOR MOTORISTS: Each State has specific requirements in order to obtain a Certificate of Self Insurance. Please refer to the financial requirements of your state before purchasing your Plan.)

- HEALTH / MEDICAL: Whole HARMLESS advantage Plans are used for lump-sum compensations. Therefore, although we do not compensate doctors and pharmacies for their services and prescriptions at the point of service or sale, we do compensate for lump-sum costs of health/medical expenses. Therefore, if you go to the doctor and find you need a medical procedure, with follow-up visits and medication, we can either guarantee the payment to the physician and/or reimburse your expenses up to the MAX value of your Plan. (NOTE: The amount reimbursed is a one-time payment for all the expenses; therefore, it is important you do not to make your request before the last medical bill is received.)

- HOME / LIFE / BUSINESS: Unforeseen expenses can take you by surprise. Whether it’s a busted water-line at home, an emergency family financial need or a loss within your business; Whole HARMLESS Advantage can and will compensate you for your losses and get you back on track: affordably, quickly and comprehensively.

You Can Sign-up Any Time Here or At: www.HeldHarmless.com

SIGN UP NOW!