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Greece has enough cash to pay second IMF loan tranche: sources

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[…]

Kroll Bond Rating Agency Assigns Preliminary Ratings to MSCI 2015-XLF1

NEW YORK–(BUSINESS WIRE)–

Kroll Bond Rating Agency, Inc. (KBRA) is pleased to announce the assignment of preliminary ratings to two classes of the MSCI 2015-XLF1 securitization, a $545.1 million large loan floating-rate CMBS transaction (see ratings listed below).

MSCI 2015-XLF1 is a CMBS large loan floating-rate transaction collateralized by five, non-recourse, first lien mortgage loans with an aggregate in-trust principal balance of $545.1 million. The senior pooled notes, together with 680 Madison Avenue, total $348.4 million and include Ashford Full Service Portfolio ($103.8 million), Ashford Select Service Portfolio ($31.4 million), and SOMA Towers ($28.2 million). Both the senior pooled and the subordinate non-pooled notes, which total $85.6 million, will be contributed to the trust. There is one non-pooled loan, Elad Portfolio, which is the sole source of cash flow for the “ELD” certificates, which are not rated by KBRA. As a result, the trust loan counts, balances, and percentages herein exclude the non-pooled Elad Portfolio loan.

The majority of the pool consists of lodging properties (50.0%) which serve as collateral for two loans, Ashford Full Service Portfolio ($103.8 million, 5 assets) and Ashford Select Service Portfolio ($31.4 million, 5 assets). Retail exposure (42.6%) is represented by 680 Madison Avenue ($185.0 million, 1 asset). The remaining property type exposure, multifamily (7.4%), consists of the SOMA Towers loan. The properties are located in ten states with three individual state exposures that represent more than 10.0% of the pool balance: New York (42.6%), California (12.7%), and Minnesota (10.2%).

KBRA’s analysis of the transaction involved a detailed evaluation of the underlying cash flows using our CMBS Property Evaluation Guidelines and the application of our CMBS Single-Borrower & Large Loan Rating Methodology. The results of the analysis yielded a KNCF for the underlying collateral properties that was, on average, 4.9% less than the issuer cash flow for the pooled loan components. KBRA applied our stressed capitalization rates to the KNCF to arrive at valuations of the underlying properties. The KBRA values were, on average, 29.7% less than the appraiser’s valuation for the pooled loan components. The resulting KBRA in-trust loan to value (KLTV) was 66.5% for the pooled loan components and the KLTV was 88.8% for the total in-trust balance, inclusive of the subordinate loan components. All of the loans have additional financing in place in the form of mezzanine debt. Inclusive of this additional debt, the weighted average all-in KLTV for the trust assets was 118.4%. As part of our analysis of the transaction, we also reviewed and considered third party engineering and environmental reports, our analysts’ site visits to the collateral properties, and the transaction structure.

Preliminary Ratings Assigned: MSCI 2015-XLF1

Class Balance Rating A $213,400,000 AAA(sf) X-CP(1) $348,400,000 NR X-EXT(1) $348,400,000 NR B $60,500,000 AA-(sf) C $45,100,000 NR D $29,400,000 NR AFS1(2) $37,100,000 NR AFS2(2) $27,600,000 NR ASL1(2) $9,100,000 NR ASL2(2) $8,000,000 NR SOMA(2) $3,800,000 NR ELD1(3) $55,100,000 NR ELD2(3) $14,100,000 NR ELD3(3) $10,300,000 NR ELD4(3) $8,200,000 NR ELD5(3) $15,900,000 NR ELD6(3) $7,500,000 NR ELDX(3) $87,700,000 NR

1 Notional amount
2 Represents a loan-specific class of certificates and is only entitled to distributions from the corresponding subordinate non-pooled component of the related mortgage loan.
3 Represents a loan-specific class that is only entitled to proceeds received with respect to the Elad Portfolio loan.

Related publications: (available at www.kbra.com)

CMBS: MSCI 2015–XLF1 Presale Report

CMBS: Single Borrower & Large Loan Rating Methodology, published August 8, 2011

CMBS Property Evaluation Guidelines, published June 10, 2011

About Kroll Bond Rating Agency

KBRA is registered with the U.S. Securities and Exchange Commission as a Nationally Recognized Statistical Rating Organization (NRSRO). In addition, KBRA is recognized by the National Association of Insurance Commissioners (NAIC) as a Credit Rating Provider (CRP).

FinanceLoansCMBS Contact: Kroll Bond Rating Agency, Inc.
Analytical Contacts:

Michael McGorty, (646) 731-2393

mmcgorty@kbra.com

or

Michael Brown, (646) 731-2307

mbbrown@kbra.com

or

Ken Kor, (646) 731-2339

kkor@kbra.com

or

Robin Regan, (646) 731-2358

rregan@kbra.com

or

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@KrollBondRating […]

Automatic Premium Loan


DEFINITION of ‘Automatic Premium Loan’

An insurance policy provision that allows the insurer to deduct the amount of the outstanding premium from the value of the policy when the premium is due. Automatic premium loan provisions are most commonly associated with life insurance policies, and allows the policy to continue to be in force rather than lapsing.

INVESTOPEDIA EXPLAINS ‘Automatic Premium Loan’

Automatic premium loan provisions help the insurer continue to automatically collect periodic premiums rather than sending reminders to the policyholder, and help the policyholder maintain coverage in the case that he or she forgets to send in a check to cover the policy premium. The policyholder may still choose to pay the premium by the regular schedule due date, but if the premium is not paid within a certain number of days after the grace period, such as 60 days, the outstanding premium amount is deducted from the policy cash value. This prevents the policy from lapsing. If the automatic premium loan provision is used the insurer will inform the policyholder of the transaction.

Depending on the policy language, life insurance policyholders may be able to take out a loan against the policy. The loan is taken out by borrowing against the cash value of the policy, with the loan balance deducted from the policy’s cash value if the loan is not repaid. The policyholder will owe interest on the loan, just as with a standard loan. The policy contract’s language may indicate that no loans may be taken out unless the premium has been paid in full.

The automatic premium loan is a loan taken out against the policy, and does carry with it a specific interest rate. If the policyholder continues to use this method of paying the premium it is possible that the cash value of the insurance policy will reach zero. At this point the policy will lapse because there is nothing left to take out a loan against.

[…]

A new way to prey on poor: car title loans

The rusting 1994 Oldsmobile sitting in a driveway just outside St. Louis was an unlikely cash machine. That was until the car’s owner, a 30-year-old hospital lab technician, saw a television commercial describing how to get cash from just such a car, in the form of a short-term loan.

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The lab technician, Caroline O’Connor, who needed about $1,000 to cover her rent and electricity bills, believed she had found a financial lifeline. “It was a relief,” she said. “I did not have to beg everyone for the money.”

Her loan carried an annual interest rate of 171 percent. More than two years and $992.78 in debt later, her car was repossessed.

“These companies put people in a hole that they can’t get out of,” O’Connor said.

The automobile is at the center of the biggest boom in subprime lending since the mortgage crisis. The market for loans to buy used cars is growing rapidly. And similar to how a red-hot mortgage market once coaxed millions of borrowers into recklessly tapping the equity in their homes, the new boom is also leading people to take out risky lines of credit known as title loans.

In these loans, which can last as long as two years or as little as a month, borrowers turn over the title of their cars in exchange for cash — typically a percentage of the cars’ estimated resale values.

“Turn your car title into holiday cash,” TitleMax, a large title lender, declared in a recent television commercial, showing a Christmas stocking overflowing with money.

More than 1.1 million households in the United States used auto title loans in 2013, according to a survey by the Federal Deposit Insurance Corporation.

For many borrowers, title loans are having ruinous financial consequences, causing owners to lose their vehicles and plunging them further into debt. A review by the New York Times of more than three dozen loan agreements found that after factoring in various fees, the effective interest rates ranged from nearly 80 percent to over 500 percent. While some loans come with terms of 30 days, many borrowers, unable to pay the full loan and interest payments, say that they are forced to renew the loans at the end of each month, incurring a new round of fees.

Many people find that they are struggling to keep up almost as soon as they drive off with the cash. As a result, roughly one in every six title-loan borrowers will have the car repossessed, according to an analysis of title loans by the Center for Responsible Lending, a nonprofit in Durham, N.C.

“This is nothing but government-authorized loan sharking,” said Scott A. Surovell, a Virginia lawmaker who has proposed bills that would further rein in title lenders.

The lenders argue that they are providing a source of credit for people who cannot obtain less-expensive loans from banks. The high interest rates, the lenders say, are necessary to offset the risk that borrowers will stop paying their bills.

• • •

The title lending industry thrives because of the car’s importance.

While people seeking title loans are often at their most desperate — dealing with a job loss, a divorce or a family illness — the lenders are willing to extend them loans because they know that most borrowers will pay their bill to keep their cars. Some lenders do not even bother to assess a borrower’s credit history.

“The threat of repossession turns the borrower into an annuity for the lenders,” said Diane Standaert, the director of state policy at the Center for Responsible Lending.

Unable to raise the thousands of dollars he needed to repair his car, Ken Chicosky, a 39-year-old Army veteran, felt desperate. He received a $4,000 loan from Cash America, a lender with a storefront in his Austin, Tex., neighborhood.

The loan, which came with an annual interest rate of 98 percent, helped him fix up the 2008 Audi that he relied on for work, but it has sunk his credit score. Chicosky, who is also attending college, uses some of his financial aid money to pay his title-loan bill.

Chicosky said he knew the loan was a bad decision when he received the first bill. It detailed how he would have to pay a total of $9,346 — a sum made up of principal, interest and other fees. “When you are in a situation like that, you don’t ask very many questions,” he said.

The title lenders are benefiting as state authorities restrict payday loans, effectively pushing payday lenders out of many states. While title loans share many of the same features — in some cases carrying rates that eclipse those on payday loans — they have so far escaped a similar crackdown.

In 21 states, car title lending is expressly permitted, with title lenders charging interest of up to 300 percent a year. In most other states, lenders can make loans with cars as collateral, but at lower interest rates.

Johanna Pimentel said she and both of her brothers had taken out multiple title loans.

“They are everywhere, like liquor stores,” she said.

Pimentel, 32, had moved her family out of Ferguson, Mo., to a higher-priced suburb of St. Louis that promised better schools. But after a divorce, she had trouble paying her rent.

Pimentel took out a $3,461 title loan using her 2002 Suburban as collateral. After falling behind, she woke up one morning last March to find that the car had been repossessed. Without it, she could not continue to run her day care business.

A new way to prey on poor: car title loans 01/05/15 [Last modified: Monday, January 5, 2015 4:07pm]
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[…]

Should You Borrow From Your Life Insurance?

If you need money in an emergency, one place to look is your insurance policy. That is, if what you have is permanent life insurance – available as either “whole life” and “universal life ” (see Permanent Life Policies: Whole Vs. Universal).

Unlike term life insurance, which has a set time limit on its coverage period and does not accumulate cash value, universal life does have a cash component, especially later on. “In the early years of the policy, most of the premium goes to funding the indemnity benefit. As the policy matures, cash value increases,” says Luke Brown, a retired insurance lawyer in Tallahassee, Fla., who operates YourProblemSolvers to help consumers with insurance, healthcare and consumer issues. (For details, read How Cash Value Builds In A Life Insurance Policy.)

How Much, How Soon

As cash value builds in a whole or universal life insurance policy, policy holders can borrow against the accumulated funds. Life insurance policy loans have one distinct advantage: The money goes to your bank account tax-free.

Insurers generally make no promises as to how fast or to what extent the cash value will increase. So it’s hard to know exactly when your policy will be eligible for a loan. What’s more, insurers have varying guidelines outlining how much cash value a policy must have before you can borrow against it – and what percentage of cash value you can borrow.

Your policy is likely to have sufficient cash value to borrow against “typically after the 10th year the policy is in force,” says Richard Reich, president, Intramark Insurance Services, Inc. a life insurance agency in Glendale, Calif.

Something else to know: This loan isn’t taking money from your own cash value. “You are actually borrowing from the insurance company and using your policy’s cash value as collateral,” says Reich.

No Need to Repay

One attractive aspect of loans against cash value is that you don’t have to repay them – a huge benefit in an emergency.

If you do pay back all or a portion of the loan, options include periodic payments of principal with annual payments of interest, paying annual interest only or deducting interest from the cash value. “Loans have an interest rate like any other type of loan. It tends to be in the 7% to 8% range, which is high in our current environment,” says Reich. Interest will be fixed or variable, depending on your policy.

There is a good reason to repay the loan if you can. “If the loan is not paid back before death, the insurance company will reduce the face amount of the insurance policy when the claim is paid,” says Ted Bernstein, CEO, Life Insurance Concepts, Inc., a life insurance consulting and auditing firm in Boca Raton, Fla.

The accumulated interest can cut deeply into the benefit: “If the policy loan remains outstanding for many years, the amount of the loan grows and grows due to the added interest,” Brown cautions. “That puts the policy at risk of not providing beneficiaries any money upon the death of the insured.

“At the very least, interest payments should be made so that the policy loan does not effectively grow,” Brown adds. That gives you a better shot of having money left to pay out after your death.

When Life Insurance Loans Make Sense

Here are some financial situations when a life insurance loan might be a sensible choice:

You can’t qualify for a standard loan or need cash really, really fast. Because the money is already within the policy and immediately available, it’s a quick source of immediate funds for a new furnace, medical bills or another emergency, with no credit check required. Even if you qualify for a traditional loan from a bank or credit union, a life insurance loan could be a valuable stopgap if you t don’t have time to wait for your application to be processed. When the traditional loan comes through, immediately use it to repay the life insurance loan. You can’t afford your policy’s annual premium. Don’t let a life insurance policy lapse because you can’t afford the payment. A loan can keep the policy in effect as long as the death benefit is greater than the amount of the loan. Your only other loan options have much high interest rates. Before paying a higher interest rate for a loan or pledging additional collateral for a traditional loan, consider taking out a life insurance policy loan, says Bernstein. “Since there are no loan terms such as repayment dates, renewal dates or other fees, compared to traditional loans, life insurance policy loans can be very competitive,” he says.

The Bottom Line

Choosing if and when a life insurance loan is right for you is subjective, Reich says. “You have to look at which is more important; the immediate need for the cash or your family’s need for the death benefit. Understand that any outstanding policy loans will be deducted from the death benefit, resulting in a smaller benefit for your family.”

Before borrowing against your life insurance, it may be helpful to consult a financial advisor to weigh all possible options and outcomes based on your financial portfolio. For more, see What are the pros and cons of life insurance policy loans? and 6 Ways To Capture The Cash Value In Life Insurance.

[…]

Kroll Bond Rating Agency Assigns Preliminary Ratings to BAMLL 2014-FL1

NEW YORK–(BUSINESS WIRE)–

Kroll Bond Rating Agency, Inc. (KBRA) is pleased to announce the assignment of preliminary ratings to five classes of the BAMLL 2014-FL1 securitization, a $432.6 million large loan floating rate CMBS transaction (see ratings listed below).

Two of the loans have been participated into senior pooled and subordinate non-pooled participations, both of which will be contributed to the trust. Proceeds received in connection with the senior participations and the non-participated loans will be used to make distributions on the pooled certificates and each of the non-pooled subordinate participations serves as the sole source of cash flow for a loan-specific class of certificates. Unless otherwise indicated, all percentage references reflect the aggregate in-trust balance of both the pooled and non-pooled components.

The trust assets consist of Lynnhaven Mall (54.3%), PGA National Resort & Spa (22.2%), Warner Center Marriott (11.9%) and Estancia La Jolla Hotel & Spa (11.6%). Each mortgage loan is secured by a single property. The related borrowers have a fee simple interests in three collateral properties (88.4%) and leasehold interest in one property, Estancia La Jolla Hotel & Spa (11.6%). The properties are located in three states, Virginia (54.3%, 1 property), California (23.5%, 2) and Florida (22.2%, 1). The pool has exposure to two property types, retail (54.3%) and lodging (45.7%), and the lodging exposure is comprised of two resort properties (33.8%) and one full service hotel (11.9%).

KBRA’s analysis of the transaction involved a detailed evaluation of the underlying cash flows using our CMBS Property Evaluation Guidelines and the application of our CMBS Single-Borrower & Large Loan Rating Methodology. The results of the analysis yielded a KNCF for the underlying collateral properties that was, on average, 2.5% less than the issuer cash flow. KBRA applied our stressed capitalization rates to the KNCF to arrive at valuations of the underlying properties. The KBRA values were, on average, 30.4% less than the appraiser’s valuation. The resulting KBRA loan to value (KLTV) was 85.7% for the pooled loans and 88.8% for the total in-trust balance. The financing for three of the properties (45.7%) also includes $89.9 million of debt held outside the trust in the form of $44.9 million of mezzanine debt, a $23.0 million subordinate B-note, and $22.0 million of preferred equity. Inclusive of this additional debt, the weighted average all-in KLTV was 106.5%. As part of our analysis, we also reviewed and considered third party engineering and environmental reports, our analysts’ site visits to the collateral properties, and the loan and securitization structures.

For complete details on the analysis, please see our presale report, BAMLL 2014-FL1 published today at www.kbra.com. The preliminary ratings are based on information known to KBRA at the time of this publication. Information received subsequent to this release could result in the assignment of final ratings that differ from the preliminary ratings.

Preliminary Ratings Assigned: BAMLL 2014-FL1

Class Balance Expected Rating A $197,147,000 AAA(sf) X-CP(1) $418,953,000 AAA(sf) X-EXT(1) $418,953,000 AAA(sf) B $55,223,000 AA-(sf) C $38,875,000 A-(sf) D $54,845,000 NR E $72,863,000 NR ELJ(2) $8,285,000 NR PGA(2) $5,397,000 NR

1 Notional amount

2 Represents a loan-specific class of certificates and is only entitled to distributions from the corresponding subordinate non-pooled participation in the related mortgage loan.

Related publications: (available at www.kbra.com)

CMBS: BAMLL 2014-FL1 Presale Report

CMBS: Single Borrower & Large Loan Rating Methodology, published August 8, 2011

CMBS Property Evaluation Guidelines, published June 10, 2011

About Kroll Bond Rating Agency

KBRA is registered with the U.S. Securities and Exchange Commission as a Nationally Recognized Statistical Rating Organization (NRSRO). In addition, KBRA is recognized by the National Association of Insurance Commissioners (NAIC) as a Credit Rating Provider (CRP).

BondsFinancemortgage loanCMBS Contact:

Kroll Bond Rating Agency

Aleksandra Simanovsky, 646-731-2434

asimanovsky@kbra.com

or

Robin Regan, 646-731-2358

rregan@kbra.com

or

Michael Brown, 646-731-2307

mbbrown@kbra.com

or

John Grosso, CFA, 646-731-2401

jgrosso@kbra.com […]

Kroll Bond Rating Agency Assigns Preliminary Ratings to COMM 2014-FL5

NEW YORK–(BUSINESS WIRE)–

Kroll Bond Rating Agency, Inc. (KBRA) is pleased to announce the assignment of preliminary ratings to five classes of the COMM 2014-FL5 securitization, a $557.1 million large loan floating rate CMBS transaction (see ratings listed below).

The collateral for the transaction consists of six first-lien mortgage loans, five of which have been bifurcated into a senior pooled component and one or more subordinate non-pooled components totaling $377.9 million and $119.2 million, respectively. Each subordinate non-pooled loan component serves as the sole source of cash flow for a loan-specific class of certificates, none of which are rated by KBRA. In addition, one loan Sava II Portfolio ($60.0 million), will not be pooled and proceeds received with respect to this loan are the sole source of cash flow for the Class “SV” certificates which are not rated by KBRA. As a result, the trust loan counts, balances and percentages herein exclude the non-pooled Sava II Portfolio loan.

The pooled senior loan components consist of K Hospitality Portfolio ($113.9 million), Peachtree Center Portfolio ($117.4 million), Hilton Fort Lauderdale ($58.3 million), Park Central ($50.9 million), and Marriott Fairview Park ($37.5 million). The majority of the pool consists of lodging properties (61.9%) which serve as collateral for three loans, K Hospitality Portfolio ($113.9 million, 20 assets), Hilton Fort Lauderdale ($58.3 million, 1 asset), and Marriott Fairview Park ($37.5 million, 1 asset). Office assets (32.9%) secure the Marriott Fairview Park loan ($37.5 million, 1 asset) and a large component of the Peachtree Center Portfolio loan ($117.4 million, 6 assets). The remaining property type exposures consist of the parking (2.7%, 3 assets) and retail (2.4%, 1 asset) components of the Peachtree Center Portfolio loan. The properties are located in seven states with three individual state exposures that represent more than 10.0% of the pool balance: Texas (32.2%), Georgia (25.3%) and Florida (17.5%).

KBRA’s analysis of the transaction involved a detailed evaluation of the underlying cash flows using our CMBS Property Evaluation Guidelines and the application of our CMBS Single-Borrower & Large Loan Rating Methodology. The results of the analysis yielded a KNCF for the underlying collateral properties that was, on average, 3.4% less than the issuer cash flow for the pooled loan components. KBRA applied our stressed capitalization rates to the KNCF to arrive at valuations of the underlying properties. The KBRA values were, on average, 34.9% less than the appraiser’s as-is valuation for the pooled loan components. The resulting KBRA in-trust loan to value (KLTV) was 68.9% for the pooled loan components and the KLTV was 90.9% for the total in-trust balance, inclusive of the subordinate loan components. Four of the five pooled loans have additional financing in place in the form of mezzanine debt. Inclusive of this additional debt, the weighted average all-in KLTV for the trust assets was 114.9%. As part of our analysis of the transaction, we also reviewed and considered third party engineering and environmental reports, our analysts’ site visits to the collateral properties, and the transaction structure.

For complete details on the analysis, please see our presale report, COMM 2014-FL5 published today at www.kbra.com. The preliminary ratings are based on information known to KBRA at the time of this publication. Information received subsequent to this release could result in the assignment of final ratings that differ from the preliminary ratings.

Preliminary Ratings Assigned: COMM 2014-FL5

Class Balance Expected Rating A $210,399,000 AAA(sf) X-CP(1) $377,863,000 AAA(sf) X-EXT(1) $377,863,000 AAA(sf) B $60,706,000 AA-(sf) C $31,547,000 A-(sf) D $75,211,000 NR KH1(2) $32,750,000 NR KH2(2) $21,045,200 NR HFL1(2) $16,772,000 NR HFL2(2) $11,959,000 NR MFP1(2) $10,375,000 NR MFP2(2) $5,098,000 NR PC1(2) $9,197,000 NR PC2(2) $3,390,000 NR PCH(2) $8,632,000 NR SV1(3) $25,622,000 NR SV-X-CP(3) $60,000,000 NR SV-X-EXT(3) $60,000,000 NR SV2(3) $10,018,000 NR SV3(3) $10,356,000 NR SV4(3) $13,995,000 NR 1 Notional amount 2 Represents a loan-specific class of certificates and is only entitled to distributions from the corresponding subordinate non-pooled component of the related mortgage loan.

3 Represents a loan-specific class that is only entitled to proceeds received with respect to the Sava II Portfolio loan.

17g-7 Disclosure

All Nationally Recognized Statistical Rating Organizations are required, pursuant to SEC Rule 17g-7, to provide a description of a transaction’s representations, warranties and enforcement mechanisms that are available to investors when issuing credit ratings. KBRA’s disclosure for this transaction can be found here.

Related publications (available at www.kbra.com):

CMBS: COMM 2014-FL5 Presale Report
CMBS: Single Borrower & Large Loan Rating Methodology, published August 8, 2011
CMBS Property Evaluation Guidelines, published June 10, 2011

About Kroll Bond Rating Agency

KBRA is registered with the U.S. Securities and Exchange Commission as a Nationally Recognized Statistical Rating Organization (NRSRO). In addition, KBRA is recognized by the National Association of Insurance Commissioners (NAIC) as a Credit Rating Provider (CRP).

BondsLoansCMBS Contact: Kroll Bond Rating Agency
Analytical:

Aleksandra Simanovsky, 646-731-2434

asimanovsky@kbra.com

or

Robin Regan, 646-731-2358

rregan@kbra.com

or

Michael Brown

John Grosso

646-731-2307

mbbrown@kbra.com […]

What is a collateral assignment of life insurance?

A:

A collateral assignment of life insurance is a conditional assignment appointing a lender as the primary beneficiary of a death benefit to use as collateral for a loan. If the borrower is unable to pay, the lender can cash in the life insurance policy and recover what is owed. Businesses readily accept life insurance as collateral due to the guarantee of funds if the borrower were to die or default. In the event of the borrower’s death before the loan’s repayment, the lender receives the amount owed through the death benefit and the remaining balance is then directed to other listed beneficiaries.

The borrower must be the owner of the policy, but not necessarily the insured, and the policy must remain current for the life of the loan with the owner continuing to pay all necessary premiums. Any type of life insurance policy is acceptable for collateral assignment, provided the insurance company allows assignment for the particular policy. A permanent life insurance policy with a cash value allows the lender access to the cash value to use as loan payment if the borrower were to default.

Alternately, the policy owner’s access to the cash value is restricted in an effort to protect the collateral. If the loan is repaid before the borrower’s death, the assignment is removed and the lender is no longer the beneficiary of the death benefit. Insurance companies must be notified of collateral assignment of a policy, but other than their obligation to meet the terms of the contract, they remain disinterested in the agreement.

[…]

401(k) Loan Regrets

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Thinking about taking a loan out of your 401(k) or 403(b) retirement account? Think twice. Nearly half (44%) of employees who took out a loan from their workplace retirement accounts later said they regretted the decision, according to TIAA-CREF’s Borrowing Against Your Future survey. An additional 23% of employees who took out a loan don’t regret it but say they wouldn’t do it again.

The borrowing rates may be good—1% to 2% above the prime rate—but even though you’re paying the loan back and replenishing your 401(k), you’re losing out on earnings. How much will a loan cost you in the long run? A $10,000 loan paid back over five years could mean you’re forgoing more than $3,500 in potential earnings, TIAA-CREF calculates. That’s assuming the borrower is 40 years old, with 25 years left until retirement, and that it’s a five-year loan with 6% loan interest; and that there would have been an 8% return on funds over the next 25 years if the loan had not been taken.

Think twice before you take out a loan to go on summer vacation. (Photo credit: taberandrew)

Here are 5 warnings if you’re considering a workplace retirement plan loan.

More on Forbes: 11 Ways To Tap Retirement Cash Early

Calculate the cost of a loan. Before you take a loan, run this TIAA-CREF calculator to see how much it will cost you in retirement security. You can borrow up to $50,000 of your vested balance or 50% of it, whichever is less. Typically you have to pay back the loan within five years. If you don’t pay it back, it’s considered a distribution and you’ll owe income tax and the 10% early withdrawal penalty if you’re under 59 and a half.

Don’t become a serial borrower. Nearly one-third (29%) of employees with workplace retirement plans have taken loans from their retirement plan, and of those who took out a loan, 43% have taken out two or more loans. Nearly half (47%) of those who took out a loan borrowed more than 20% of their savings, and 9% borrowed more than half of their savings, the TIAA-CREF survey found.

Keep up regular contributions. If you do take out a retirement plan loan, it’s important to make new contributions to your plan while you’re paying back the loan. In the survey, 48% of women kept the same contribution rate while paying back the loan, compared to only 39% of men. Millennials (81% of them) were the most likely to decrease their contribution amount during the payback period.

More on Forbes: U.S. Trust Cites Top 5 Risks To Family Wealth

Retirement nest egg v. summer vacation. While the majority of those surveyed took out loans to pay off debt or for emergencies, some employees are raiding their retirement accounts for reasons like home renovations. Even more troubling: 15% of those surveyed said they took out loans to pay for special events like a wedding or family vacation.

Research other options. Before you tap into your retirement account, consider other options depending on your needs: student loans, a home equity line of credit (HELOC) for home renovations, a loan or withdrawal from a permanent life insurance policy. If you have a Roth IRA, you can withdraw your original contributions at any age, free of federal taxes and penalties (but you can’t put the money you take out back in).

See also:

More on Forbes: Disability Insurance: The Overlooked Employee Benefit

More on Forbes:

The Best Investment Advice Of All Time

Billionaire Ex-Hackers

The 50 Biggest Givers

Investing EducationLoansTIAA-CREF […]

Payday loans worry consumers, regulators and lawmakers alike …

It seems that Richard Cordray, the director of Consumer Financial Protection Bureau, CFPB, just couldn’t catch a break this week.

As he’s been trying to get people talking about mobile banking technology, his speeches have been overrun by feisty debates and challenges on the issue of payday loans.

Payday loans are short-term loans, often available in lower-income areas, that feature punishingly high interest rates and put users on a cycle of heavy indebtedness. In 2010, more than 12 million Americans relied on payday lenders for access to credit. According to the Pew Charitable Trust, they took out almost $30bn in loans that year alone.

Despite the loans’ high interest rates and fees, the payday loan industry appeals to poorer Americans who have limited access to the US financial services and banks. Often, one payday loan often leads to another and another and soon the borrower is stuck in a cycle of debt, which was most recently depicted in the documentary ‘Spent.’

On Thursday, while appearing in New Orleans to speak about mobile financial services, Cordray ended up fielding requests for regulation of the payday loan industry across the nation. The debate surrounding the issue of payday loans has been heated in Louisiana, where efforts to reform the industry failed in the recent state legislature session.

Senator Mike Crapo was Cordray’s tormentor-in-chief when Cordray appeared before the Senate Banking committee on Wednesday. Cordray suggested that payday lending is infecting the legitimate alleyways of the financial system.

“There is now the further issue that’s been raised: what about illegal lending that operates by piggybacking on the existing banking payments systems? That’s not something that banks like, it’s not a risk they want to be exposed to.”

When asked by Crapo if the agencies were making a conscious effort to prevent payday lenders from being able to operate, Cordray answered that he did not know.

Unfortunately, there will be some time yet before CFPB is ready to enact any new regulations related with payday loans. During the hearing, Cordray argued for more time.

It’s well worth the additional time in order to make sure that what we do won’t be made a mockery of by the people circumventing [the rules] just by transforming their product slightly.”

More time could also strengthen the opposition. Cordray has several lawmakers lined up to thwart him. Senator Darrell Issa has previously requested that Department of Justice release all of the documents related to its effort to cut off illegal payday lenders and other fraudulent business from access to the US banking system. This effort, known as Operation Chokepoint, has come up under scrutiny as claims that it pressures banks to end relationships with legal businesses such as payday lenders emerged.

A group of payday lenders represented by the Community Financial Services Association recently filed a lawsuit against some of these regulatory agencies, alleging that they were unfairly targeted by Operation Chokepoint which painted them as risky associates for banks. The agencies named in the lawsuit were the Federal Reserve, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency. The CFPB was not named.

[…]