AmeriPlan® USA Dental Plan – Seventy percent of Americans do not have Dental Insurance. If you fall into this category, you can save up to 80% on dental care by becoming a member of AmeriPlan® USA. AmeriPlan® is nation's premier provider of supplemental health benefits with more than 100,000 healthcare professionals nationwide.

AmeriPlan Health® has several major advantages over traditional dental insurance. Here are a few:

•No annual maximum dollar amount •No limit on visits or services •No deductible •No waiting period for any services •All current and/or ongoing dental problems are accepted (except orthodontic treatments already in progress)

But AmeriPlan® is more than Dental benefits. Included, at no additional cost, is a Prescription drug plan, Vision care benefits and Chiropractic care benefits. Even with these four combined benefits, AmeriPlan® is still more affordable than traditional insurance – only $11.95 a month for an individual and $19.95 a month for an entire household.

Let’s face it, sooner or later you or someone in your family will have to visit dentist. The question is not will you pay for services but rather which price will you be paying? Full Retail Price or AmeriPlan® discounted price?

Find out more about how you can save by visiting www.HealthcareWithinReach.com Use form on left-hand side of website to locate a provider in your area. Once you find a provider, click on “fee schedule” to see EXACTLY how much you will pay for services you need. There are no surprises with AmeriPlan®

AmeriPlan® benefits ARE NOT INSURANCE. AmeriPlan Health® benefit programs are not insurance, nor are they an alternative to or substitution for insurance coverage. You must use an AmeriPlan® provider and pay discounted fee at time of service. Visit http://www.ameriplanusa.com/disclaimer.asp for more information.

Apart from interest and principal amount of commercial mortgage, there are certain fees that borrower will have to bear. Some lenders charge about 0.5-1.5% of mortgage as a processing fee. The amount varies with lenders. Some lenders do not even charge processing fees. The borrower is also charged for valuation of property and preparation of legal documents. Some lenders also charge early redemption penalties. It will be necessary to read well between lines to be aware of such clauses.

Available with variable and fixed rate options, commercial mortgages are repaid in a variety of methods. The borrowers can choose from paying fixed monthly payments of both interest and principal as in a repayment mortgage, or only interest as in interest only mortgage. The manner in which final payment is made classifies methods into endowment mortgage, individual savings account mortgage, and pension mortgage.

The owner or proprietor of organization taking commercial mortgage must have a good credit standing. Since owner plays an important role in management of organization, lenders would study policies framed by owner. The organization as a whole must be well run and managed, and must have a good credit history. Lenders generally demand audited accounts and bank statement showing dealings of business. A copy of balance sheet will accompany these documents. If demanded, future projections for company will have to be furnished.

Lenders usually charge a deposit of 20-30% of amount of mortgage. Once organization decides to take up commercial Mortgages, it must start preparing for deposit. All documents must be updated to make approval process easier.