
Pillar Financial Corporation offers a unique package we call the Family Care Package and includes the following:
Family Security Fund
The Illinois Mutual Family Security Fund provides a cash lump sum payment at the time of death of the Insured plus monthly payments over a 20-year period plus a final lump sum payment after the monthly payments end.
The initial death benefit is provided by a term life insurance policy underwritten by Illinois Mutual Life Insurance Company.
The premiums are guaranteed level for 20 years and thereafter increase annually to age 95. There are no cash values under the term plan. The Monthly Benefit Rider provides the Family Security Fund benefits and the Deferred Benefit Rider in addition to the Surrender Benefit Rider is optional at an additional premium.
Under current tax laws, the initial death benefit payment to the beneficiary is received income tax free. A portion of both the 20-year monthly benefit and the final death benefit will be taxed as ordinary income to the beneficiary in the year of receipt. Please consult your tax advisor.
At Pillar Financial, we understand you want your family to be financially prepared for the unexpected. With Illinois Mutual, you have peace of mind - innovative solutions giving you ...
with life.
Security
You work hard so that your family can enjoy a comfortable lifestyle. Planning ahead to secure their future is important to you because they depend on you as a provider. With Illinois Mutual's Family Security Fund, you'll rest easy knowing your family is financially prepared for the unexpected.
This innovative life insurance plan gives you the ability to provide a death benefit, on-going monthly income for 20 years and a final lump sum benefit at the end of that 20 years.
Illinois Mutual understands how you live. We design flexible life insurance solutions that take care of your family - even when you're not there.
"With the Family Security Fund, I am to continue my family's current standard of living."
planning
How the Family Security Fund works
$1,000/mo
Monthly Cash Payment for 20 Years
$100,000
Final Lump Sum Cash Payment
$440,000 Total Benefit Amount Your
family will receive an immediate life insurance cash payment upon your death that can be used to pay off large debts. After your family has received their immediate cash payment, a monthly cash payment is paid without interruption, guaranteed for 20 years. A final lump sum will be paid at completion of the 20 year monthly benefit period.
The initial death benefit, monthly payment for 20 years, and final lump sum payment provides a total benefit amount.
$100,000
Immediate Cash Payment
When you add the Surrender Benefit Rider, you will receive 100% of all premiums paid, after 20 years. A portion of the premiums paid will be returned after the 5th policy year upon lapse or surrender of the rider.
Get your money back
When you add the Surrender Benefit Rider, you will receive 100% of all premiums paid, after 20 years. A portion of the premiums paid will be returned after the 5th policy year upon lapse or surrender of the rider.
Ted Lewicki is the president of Pillar Financial Corporation located in Waterford, Michigan. Ted will help you analyze your financial situation and customize a plan that works for your family's needs. Find out more at http://www.pillarmortgage.com/
Servicing: Oakland County, Addison Township, Auburn Hills, Berkley, Beverly Hills, Bingham Farms, Birmingham, Bloomfield Township, Clawson, Commerce Township, Farmington, Farmington Hills, Ferndale, Franklin, Hazel Park, Highland Township, Holly, Holly Township, Huntington Woods, Independence Township, Keego Harbor, Lathrup Village, Lyon Township, Madison Heights, Milford, Milford Township, Northville, Novi, Oak Park, Oakland Township, Orchard Lake, Orion Township, Oxford Township, Pleasant Ridge, Pontiac, Rochester, Rochester Hills, Royal Oak,
Southfield, South Lyon, Troy, Walled Lake, Waterford Township, West Bloomfield Township, White Lake Township, Wixom
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Bradford of Novi subdivision
Whether you are relocating to Michigan or just thinking of buying Oakland County real Estate Novi is a great place to live. Here is an update on one of Novi's subdivisions.
| Bradford of Novi subdivision is actually 3 subdivisions with one homeowners association. Bradford of Novi has approximately 145 homes in it. The homes were built during the years of 1987 -1994. The homes are mostly Colonial and Cape Cod style. Most of the homes have brick exteriors, 2 & 3 & 3+ car garages, 3-4 bedrooms, 2 + bathrooms, basements. Square footage of the homes range from 2200 - 5900 square ft. There are some courts that have large secluded lots & homes All of the above information is general information. We do not guarantee the information. This is to give a guide to the subdivision. The school district is Northville Schools The location of the subdivision is between 8 and 9 mile roads and between Beck and Taft Roads. The streets that are in the Bradford of Novi subdivision are: Lancaster Ct Galway Dr Paddington Ct Norfolk Ct Carlisle Ct Erin Circle Windermere Ct Worchester Dr Daleview Dr Roxbury Dr Princeton Blvd |
| Here is the latest Novi real estate market update for Bradford of Novi Subdivision Neighborhood as of August 19, 2008 There are 2 Novi homes for sale currently in the sub. The average list price is $475,000 and on the average has been on the market for 96 days
IF YOU OR ONE OF YOUR FRIENDS, OR CHILDREN WOULD LIKE TO SEE ONE OF THESE LOVELY NOVI HOMES FOR SALE OR GET MORE INFORMATION ON ONE OF THEM EMAIL ME AT INFO@RUSSRAVARY.COM OR CALL ME ON MY CELL AT 313-310-9855 Here are all the Novi homes that have sold in Bradford of Novi , Novi, MI in the last year as of 8/191/2008 1 Novi, MI homes have sold in Bradford of Novi in the last year with an average price of $n/aafter being on the market an average of 71 days. |
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You will notice the trend in Metro Detroit real estate if you look at several of these subdivision updates. Novi real estate home values are continuing to fall, but the time on market for Novi homes for sale is about the same. Even though Novi real estate home values are falling they are not falling as much as the rest of Oakland County home values.
For more on Novi Mi Subdivisions or Search Michigan homes for sale go to my website or give me a call on my cell at (313) 310-9855 I have buyers tips and sellers tips on my websites www.RussRavary.com and www.DetroitMichiganRealEstateHomes.com
Novi Michigan Real Estate
Novi Subdivisions
Yorkshire Place Subdivision
Relocating to Michigan? Whether you have to relocate to Michigan or just moving from your Wayne County home or your Livingston County home to a new Oakland County home. Where ever you move from whether it is from Plymouth, Canton, Westland, Redford, Livonia, South Lyon, Northville, Dearborn, or Garden City you want to know about Novi, the Novi subdivision, and the Novi neighborhood. This page will give you some basics about Yorkshire Place subdivision
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Related Links |
Yorkshire Place subdivision is actually 4 subdivisions with one homeowners association. Yorkshire Place has approximately 180 homes in it. The homes were built during the years of 1986 -1990. The homes are mostly Colonial and Ranch style. Most of the homes have brick exteriors, 2 car garages, 3-4 bedrooms, 2 + bathrooms, basements Square footage of the ranch homes range from 1900 - 2000 square ft. Square footage of the colonial homes range from 2100 - 2900 square ft. All of the above information is general information. We do not guarantee the information. This is to give a guide to the subdivision. The school district is Novi Community Schools The location of the subdivision is between 10 and 11 mile roads and between Taft and Beck Roads. The streets that are in the Yorkshire Place subdivision are: Falmouth Ave Avon Ct Portsmouth Ave White Plains Dr Emerald Forest Dr Freemont Dr Davenport Ave Sutherland Dr Amherst Dr |
| Here is the latest Novi real estate market update for Yorkshire Place Subdivision Neighborhood as of August 20, 2008. There are 4 Novi homes for sale currently in the sub. The average list price is $294,725 and on the average has been on the market for 109 days. INFO@RUSSRAVARY.COM OR CALL ME ON MY CELL AT 313-310-9855 Here are all the Novi homes that have sold in Yorkshire Place, Novi, MI in the last year as of 8/20/2008
5 Novi MI homes have sold in Yorkshire Place subdivision the last year with an average price of $290,000 after being on the market an average of 91 days. |
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You will notice the trend in Metro Detroit real estate if you look at several of these subdivision updates. (Novi real estate subdivision update, Northville real estate subdivision update) Novi real estate home values are continuing to fall, but the time on market for Novi homes for sale is about the same. Even though Novi real estate home values are falling they are not falling as much as the rest of Oakland County home values.
If you want other Northville subdivisions or City of Northville, MI info go to my websites http://www.russravary.com/ or www.DetroitMichiganRealEstatehomes.com You can get buyers tips, sellers tips, or search Michigan homes for sale for free without giving any personal contact info or logging in!
IF YOU WANT A NEIGHBORHOOD UPDATE FOR YOUR SUBDIVISION EMAIL ME AT INFO@RUSSRAVARY.COM
I hope this neighborhood newsletter helped you! And helps keep you up to date. If you are thinking of selling a home give me a call or email me at info@russravary.com Or if you know somebody that is looking to buy a homeI will help them search out a good deal. Have a great day. Russ Ravary
I do a lot of subdivision updates and Metro Detroit real estate market updates for my local area. I see what is going on in the Metro Detroit Michigan real market, but many times statistics don't tell the whole story. I even have to look at them harder to realize what is going on. Below I have a example of how statistics do not tell the whole story.
In the on-market residential section below there are two homes listed for sale. One is very high priced and higher than what many homes have sold for in the Novi subdivision. What that does is throw off the average list price of homes. So if somebody only uses that information they will think their home should be listed for more or is worth more than it is.
Again if you look at the sold homes you will see that the same thing happens with the average of sold homes in Yerkes subdivision.
Many time the statistics of average time a house has been on the market can be altered if you have a Metro Detroit home that has been on the market for a very long time or very short time. So when you look at real estate statistics realize that they should be just part of the local information. Sometimes you have to look beyond one subdivision or one community to get the true picture.
Bottom line is that after doing 50 different Metro Detroit subdivisions updates..... Novi and Northville home prices are still falling. Average time on the market seems to be about the same. Though both of these communities seem to be holding their home values a little better than many Wayne County home values.
See below for an example of one of my Metro Detroit real estate updates. You can go to www.RussRavary.com for other subdivision updates.
Here is the latest Novi real estate market update for Yerkes Subdivision Neighborhood as of August 20, 2008
There are 2 Novi homes for sale currently in the sub. The average list price is $514,950 and on the average has been on the market for 137 days.
| On-Market Residential | |||||
| Price | Address | Bed | Bath | ||
| $430,000 | 2073 HANNAH CT | 5 | 2.2 | ||
| $599,900 | 2088 VERANDA DR | 4 | 3.1 | ||
IF YOU OR ONE OF YOUR FRIENDS, OR CHILDREN WOULD LIKE TO SEE ONE OF THESE LOVELY NOVI HOMES FOR SALE OR GET MORE INFORMATION ON ANY OF THESE MICHIGAN HOMES FOR SALE EMAIL ME AT INFO@RUSSRAVARY.COM OR CALL ME ON MY CELL AT 313-310-9855
Here are all the Novi homes that have sold in Yerkes Manor Estates, Novi, MI in the last year as of 8/20/2008.
| Off-Market Residential | ||||||
| Status | Price | Address | Bed | Bath | OffMktDt | |
| LEASED | $2,050 | 20828 VERANDA DR | 4 | 3.1 | 5/31/2008 | |
| LEASED | $2,200 | 20731 EMILY CT | 4 | 3.1 | 7/10/2008 | |
| SOLD | $325,000 | 20804 VERANDA DR | 4 | 2.1 | 6/9/2008 | |
| SOLD | $328,000 | 20852 VERANDA DR | 4 | 2.1 | 8/16/2007 | |
| SOLD | $435,000 | 20755 EMILY CT | 5 | 3.1 | 10/8/2007 | |
3 Novi MI homes have sold in Yerkes Manor Estates in the last year with an average price of $362,667 after being on the market an average of 197 days.
Many People are Facing Foreclosure due to Financial Hardship Caused by the ARM
Roy Malone, loss mitigation and short sale specialist, can help you out during these troubled times of job loss and home foreclosure. If you are behind in your mortgage payments or facing foreclosure, contact Roy to see how he can help you save your home and restore your credit. Roy is an experienced mortgage broker who understands what you are going through. He and his professional team of consultants will work with you, the client, and your mortgage lender to mitigate your situation and work out a positive outcome to solve your dilemma.
You are not alone. Over 200,000 people in Michigan are facing foreclosure due to the unfortunate circumstances they have found themselves facing. This is a very stressful time that has caused insecurity for many people who feel they have no options and no hope. We want to help by explaining your options and offer a solution that will work for you and your lender. We will work to help you achieve financial stability by getting out of the foreclosure trap and improving your credit rating.
Call Roy Malone at 248-538-7474 for more information. Visit our website at http://www.realproperty-investors.com/index.html to learn more about what we have to offer.
Email Roy at roy@glscom.com
Roy Malone, branch manager, licensed mortgage broker, has assisted many people in the following areas:
Oakland County: Farmington Hills, West Bloomfield, Ferndale, Royal Oak, Oak Park, Pontiac, Waterford, Highland, Holly, Walled Lake, Holly, Rochester, Wayne County: Detroit, Romulus, Garden City, Livonia, Taylor, Dearborn Heights, Inkster, Macomb County: Chesterfield, Warren, Utica, Eastpointe, Fraser, Macomb Twp, Richmond, Genesee County: Flint, Grand Blanc and more.
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