It may be a good idea to contact several Independent Agents (represent multiple carriers) and see what the overall cost/coverage they can get for you. 

We're too busy spending billions on aircraft carrier groups and the next sexy line of fighter jets.

Another number used for filling out forms, used for "throw away" purposes - for my second number I use the phone number to retrieve calls for my cell phone carrier.

It's like having an Aircraft Carrier protect a dingy from seagulls.

We assist by collecting necessary information (the facts of the loss) to forward to carriers, helping identifying any potential coverage issues associated with the reported loss and then the filing of the claim with carrier(s).

In fact, on IUL, most carriers have policy loans options that have often better rate than the ones found on WL policies.You can get a bank loan on an IUL, but it is true that you will find less lenders than for WL. 

This just started to be announced Thursday/Friday and we feel more companies will jump on board going g forward.The key is to call the billing department of your particular insurance carrier and ask if there are options. 

We represent over 2 dozen different carriers and the ones that write 3 families all will not write student housing.  

The insurance carrier would likely tell the HOA to enforce the covenants or be dropped by them. 

Then, you can just stick your package/letter in any USPS box or leave it for your letter carrier to take.