By Connie Graham and Briana Hennigan |

Connie Graham
(780) 437-3070
Sherwood Park, Alberta

As an Axiom Broker, my role is to take a longer term view and create options to help you to plan for the worst. Life happens, and circumstances beyond your control; job loss, health issues, business challenges, lawsuits, divorce, etc. can quickly derail even the best of us and put us in a difficult financial position.

The following Zero Cost Insurance Plan creates a safety net via strategic use of pre-payment
privileges. This goes well beyond the simplistic “skip-a-payment” policy offered with many lenders.

Clients that benefit from this plan typically have 15 years or less left on their mortgage and are
good money managers.

With an extra few minutes of forethought and set-up time up front, we create the following
options to put you back in the driver’s seat.

Reduce your monthly payment by 50 per cent, simply by reverting back to the original

Reduce the payment to zero for an equal length of time for which you have been making double
payments (within the term of the mortgage only, as the miss-a-payment option resets to zero at
the start of each new mortgage term). You can potentially skip up to 30 payments in a row in a
single 5yr term!

*Mortgage payment and amortization have a symbiotic relationship, as you increase one, the other decreases, and vice versa.

*Your bank will not allow you to extend the amortization past the original contracted length. Not without triggering penalties and legal fees.

Ask me and I can help you implement this Zero Cost Insurance Plan.