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What is a Closing Protection Letter & What Does It Do?

Once a home is secured for purchase, the lender requires title insurance , which must be secured before the transaction closes. When selecting a title insurance company , you will be given the option of which coverages to choose.

A closing protection letter is one of these, which a title insurance company will provide to the lender, buyer, and seller.

What is it? And is it necessary?

A closing protection letter (CPL) is issued by the title underwriter. This document ensures that the underwriter will protect its client from any mistakes made by the title agent who handles the escrow accounts associated with the transaction.

The title agent is responsible for handling large sums of the lender’s and buyer’s money, and mistakes can be made. For example, a mistake could be if the agent misplaces or mispurposes the funds in your escrow account. There is also the risk of an agent being dishonest or fraudulent.

In any case, where a mistake is made on behalf of the agent, the closing protection letter is drawn up so that the title underwriter will protect a specific party to suffer no actual loss.

Put simply, a closing protection letter is a form of insurance intended to provide coverage to specific parties of the transaction. Each party will decide whether or not it is necessary. However, a lender will rarely hire a title agent without the issuance of a CPL, and the burden of the fee is typically placed on the buyer.

It is natural to feel a little uneasy about an insurance company handing you a document intended to protect you from them, but charge you for that document. But keep in mind that this is something they are legally required to do.

Also, not all accounts where these documents are put into effect are fraud or dishonesty. Human error does occur, and without this document, an honest mistake can cost you thousands of dollars.

What should the closing protection letter include?

All CPLs are transaction-specific and what they offer coverage for depends on the insurance being issues. However, there shouldn’t be much deviation from one contract to the next. Please, reference the image below for an indication of what a CPL should look like.

At the very least, this document should include the name of the title insurance company, the name and address of the party it protects, and the title agent’s name, ID number, and address. From there, it should provide a clear message detailing how the title insurance company will protect the party of concern. The rest of the document should include details on the conditions and exclusions and when this protection will be provided.

This is not a complicated document, and it should not span for more than a few pages. However, the title insurance company does decide the conditions and exclusions of their coverage. It’s essential to read over the details to ensure that they are offering you proper coverage.

Should I get a closing protection letter?

You should always consider a CPL—it’s a contract that protects your money. The letter will only offer coverage to who is included explicitly in the document, though. If a lender requires a closing protection letter, remember that it will only protect them in the transaction unless expressly stated otherwise. A title underwriter may offer a closing protection letter that combines protection to the buyer and lender, but it is not typical. In most cases, each party will need to obtain their own CPL to be provided protection.

How much does a closing protection letter cost?

A title insurance company may issue a closing protection letter free of charge, but this is not usually the case. How much they charge for a CPL is ultimately their decision, but the letter typically costs $25. Anyone in the transaction who opts to receive one will be responsible for an individual fee. However, it is a one-time payment, and if the transaction cancels for any reason, there will be no charge for the CPL.

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Close Protection CV example

If you want to bag a top Close Protection job, you must start by writing an interview-winning CV.

So, we have created an example Close Protection CV to inspire you, along with detailed guidance on how to create your own professional CV, that will hook recruiters and get you hired.

Guide contents

Close Protection CV example

• CV layout and format
• Your CV profile
• Work experience

Education section

CV templates 

This CV example demonstrates the type of info you should be including within your Close Protection CV, as well as how to format and structure the information in a way which looks professional and is easy for time-strapped recruiters to read.

This is the look and feel you should be aiming for, so remember to refer back to it throughout your CV writing process.

Close Protection CV layout and format

Your CV is the first impression you’ll make on anybody who reads it.

A disorganised, cluttered and barely-readable CV could seriously decrease your chances of landing interviews, so it’s essential to make sure yours is slick, professional and easy to navigate.

You can do this by using a clear structure and formatting your content with some savvy formatting techniques – check them out below:

Formatting advice

• Length: Recruiters will be immediately put off by lengthy CVs – with hundreds of applications to read through, they simply don’t have the time! Grabbing their attention with a short, snappy and highly relevant CV is far more likely to lead to success. Aim for two sides of A4 or less.
• Readability : To help busy recruiters scan through your CV, make sure your section headings stand out – bold or coloured text works well. Additionally, try to use bullet points wherever you can, as they’re far easier to skim through than huge paragraphs. Lastly, don’t be afraid of white space on your CV – a little breathing space is great for readability.
• Design: While it’s okay to add your own spin to your CV, avoid overdoing the design. If you go for something elaborate, you might end up frustrating recruiters who, above anything, value simplicity and clarity.
• Avoid photos: If your CV has photos , images or profile pictures, hit the delete button. They’re not needed and won’t add any value to your applications.

CV structure

Divide your CV into the following major sections when writing it:

• Name and contact details  – Head your CV with your name and contact details, to let the reader know who you are and how to contact you.
• CV profile – A brief paragraph which summarises your skills and experience and highlights why you’re a good match for the role.
• Core skills list – A snappy, bullet-pointed list of your most relevant skills.
• Work experience – A structured list of your work experience in reverse chronological order.
• Education – A summary of any relevant qualifications or professional training you’ve completed.
• Hobbies and interests – An optional section, which should only be used if your hobbies are relevant to the jobs you’re applying to.

Now I’ll tell you exactly what you should include in each CV section.

CV Contact Details

Kick-start your CV with your contact details, so recruiters can get in touch easily. Here’s what you should include:

• Mobile number
• Email address – Make sure it’s professional, with no silly nicknames.
• Location – Your town or city is sufficient, rather than a full address.
• LinkedIn profile or portfolio URL – Ensure they’ve been updated and are looking slick and professional.

Quick tip: Avoid listing your date of birth, marital status or other irrelevant details – they’re unnecessary at this stage.

Close Protection CV Profile

Recruiters read through countless applications every day.

If they don’t find what they’re looking for quickly, they’ll simply move onto the next one.

That’s what makes your CV profile (or personal statement , if you’re an entry-level/graduate candidate) so important.

This short and snappy summary sits at the top of your CV, and should give a high-level overview of why you’re a good match for the job.

This way, you can ensure that busy recruiters see your suitability from the outset, and so, feel your CV is worth their time.

Tips for creating an strong CV profile:

• Keep it concise: It might be tempting to submit a page-long CV profile, but recruiters won’t have the time to read it. To ensure every word gets read, it’s best to include high-level information only; sticking to a length of 3-5 lines.
• Tailor it: No matter how much time you put into your CV profile, it won’t impress if it’s irrelevant to the role you’re applying for. Before you start writing, make a list of the skills, knowledge and experience your target employer is looking for. Then, make sure to mention them in your CV profile and throughout the rest of your application.
• Don’t add an objective: Want to talk about your career goals and objectives? While the profile may seem like a good space to do so, they’re actually much better suited to your cover letter .
• Avoid cliches: If your CV is riddled with clichès like “Dynamic thought-leader”, hit that delete button. Phrases like these are like a broken record to recruiters, who read them countless times per day. Hard facts, skills, knowledge and results are sure to yield far better results.

Example CV profile for Close Protection

What to include in your close protection cv profile.

• Summary of experience: Recruiters will want to know what type of companies you’ve worked for, industries you have knowledge of, and the type of work you’ve carried out in the past, so give them a summary of this in your profile.
• Relevant skills: Make your most relevant Close Protection key skills clear in your profile. These should be tailored to the specific role you’re applying for – so make sure to check the job description first, and aim to match their requirements as closely as you can.
• Essential qualifications: If you have any qualifications which are highly relevant to Close Protection jobs, then highlight them in your profile so that employers do not miss them.

Quick tip: Even the best of writers can overlook typos and spelling mistakes. Use our quick-and-easy CV Builder to add pre-written content that has been created by recruitment experts, and proofread by our team.

Core skills section

Next, you should create a bullet pointed list of your core skills , formatted into 2-3 columns.

Here, you should focus on including the most important skills or knowledge listed in the job advertisement.

This will instantly prove that you’re an ideal candidate, even if a recruiter only has time to briefly scan your CV.

Work experience/Career history

By now, you’ll have hooked the reader’s attention and need to show them how you apply your skills and knowledge in the workplace, to benefit your employers.

So, starting with your most recent role and working backwards to your older roles, create a thorough summary of your career history to date.

If you’ve held several roles and are struggling for space, cut down the descriptions for your oldest jobs.

Structuring your roles

If you don’t pay attention to the structure of your career history section, it could quickly become bulky and overwhelming.

Get in recruiters’ good books by creating a pleasant reading experience, using the 3-step structure below:

Provide a brief overview of the job as a whole, such as what the overriding purpose of your job was and what type of company you worked for.

Key responsibilities

Next up, you should write a short list of your day-to-day duties within the job.

Recruiters are most interested in your sector-specific skills and knowledge, so highlight these wherever possible.

Key achievements

Finish off by showcasing 1-3 key achievements made within the role.

This could be anything that had a positive effect on your company, clients or customers, such as saving time or money, receiving exemplary feedback or receiving an award.

After your work experience, your education section should provide a detailed view of your academic background.

Begin with those most relevant to Close Protection jobs, such as vocational training or degrees. If you have space, you can also mention your academic qualifications, such as A-Levels and GCSEs.

Focus on the qualifications that are most relevant to the jobs you are applying for.

Interests and hobbies

The hobbies and interests CV section isn’t mandatory, so don’t worry if you’re out of room by this point.

However, if you have an interesting hobby , or an interest that could make you seem more suitable for the role, then certainly think about adding.

Be careful what you include though… Only consider hobbies that exhibit skills that are required for roles as a Close Protection, or transferable workplace skills.

There is never any need to tell employers that you like to watch TV and eat out.

Writing your Close Protection CV

An interview-winning CV for a Close Protection role, needs to be both visually pleasing and packed with targeted content.

Whilst it needs to detail your experience, accomplishments and relevant skills, it also needs to be as clear and easy to read as possible.

Remember to research the role and review the job ad before applying, so you’re able to match yourself up to the requirements.

If you follow these guidelines and keep motivated in your job search, you should land an interview in no time.

Best of luck with your next application!

Closing Protection Letters: When And Why They Are Important

Article by:

Melissa c. martorella, esq., share this post:.

• January 12, 2022

Financial lenders should be aware that Small Business Administration (SBA) loan proceeds can finance commercial property acquisitions, as outlined in the most recent Standard Operating Procedures . These transactions typically require title insurance policies that insure the lender’s lien priority.

Lenders are usually aware of the required endorsements and specific policy coverages involved in a project financed by an SBA loan, which may vary depending on the kind of property involved. Property types can include multi-parcel transactions, retail condominiums, and agricultural lands, to name a few.

However, what many lenders may not be as familiar with is the vital role that is played by the underwriter’s authorized agent in the closing and policy issuance process.

The Importance of a Closing Protection Letter

A title insurance underwriter’s agent is permitted to issue the title insurance policy on the underwriter’s behalf. This means that a title agent can act for the primary purpose of giving title insurance policies and commitments. However, title agents may also be called upon to act as authorized agents to conduct transaction closings for lenders, buyers, and sellers, as well as to act as settlement agents and authorized escrow agents.  When an agent takes on these additional roles, it necessitates the importance of having a closing protection letter (CPL) and for clear and thorough instruction letters.

What is a Closing Protection Letter?

The Closing Protection Letter (“CPL”) is essentially an indemnity agreement provided by a title underwriter that outlines the underwriter’s commitment to repay the lender if any losses are caused by specific types of misconduct—specifically, the actions or inactions of the authorized title agent during the closing process.

Although laws governing the use of CPLs vary from state to state and may be interpreted differently among the courts, the CPL will generally indemnify the lender for losses that result from an authorized agent’s failure to follow the lender’s closing instructions regarding:

• The priority, validity, and enforceability of the lien or the status of ownership in land, including the necessary documents and disbursement of funds to establish title or lien priority; or
• Negligence, dishonesty, or fraud on behalf of the agent regarding the handling of documents or funds at closing, but only in connection with title status or lien priority.

Upon requesting title insurance, it would behoove the lender to determine whether it will be the title underwriter or an authorized title agent who will conduct the closing and issuance of the title policy.

If it is determined that an authorized agent will conduct the closing, the lender should request a closing protection letter, the price of which is usually quite nominal (typically $50.00).

If it is determined that a title underwriter will conduct the closing directly, then a CPL is neither necessary nor an available option for the lender to request. This is because no agent is acting on the title underwriter’s behalf. When an agent is charged with conducting and issuing the title insurance policy on the insurer’s behalf, it is best practice for lenders to request a CPL. This letter provides the lender with additional protection by assuring that the agent is not only issuing the policy requested, but also properly handling all related documents and funds.

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Executive Protection Agent Cover Letter Examples & Writing Tips

Use these Executive Protection Agent cover letter examples and writing tips to help you write a powerful cover letter that will separate you from the competition.

Table Of Contents

• Executive Protection Agent Example 1
• Executive Protection Agent Example 2
• Executive Protection Agent Example 3
• Cover Letter Writing Tips

Executive protection agents provide security for high-profile individuals, such as CEOs, celebrities, and politicians. They need to be able to think on their feet and be able to handle difficult situations.

To get a job as an executive protection agent, you need to write a cover letter that shows you have the skills and experience necessary for the job.

Check out the examples and tips below to learn how to write an executive protection agent cover letter that will help you get the job.

Executive Protection Agent Cover Letter Example 1

I am excited to be applying for the Executive Protection Agent role at XYZ Corp. I have more than 10 years of experience in the security industry and have been a licensed private investigator for the past five years. I am confident that I have the skills and experience to be a valuable member of your security team.

In my previous role as a Senior Investigator at ABC Security, I was responsible for conducting threat assessments, providing executive protection, and leading investigations into corporate fraud. I have also worked as a bodyguard for high-profile clients, including celebrities and CEOs. I am highly skilled in unarmed combat and have extensive experience in firearms training.

Most importantly, I have a passion for protecting people. I take great pride in my ability to keep my clients safe and secure, and I am always looking for new ways to improve my skills and knowledge. I am committed to continuing to grow as a security professional and am excited to be a part of XYZ Corp’s team.

Thank you for your time and consideration. I look forward to hearing from you soon with more information about the Executive Protection Agent role at XYZ Corp. I am eager to discuss how my skills and experience can benefit your organization.

Executive Protection Agent Cover Letter Example 2

I am writing in regards to the open Executive Protection Agent position at your company. I am confident that I have the skills and qualifications that would make me the perfect candidate for the job.

For the past three years, I have been working as an Executive Protection Agent. In that time, I have developed a strong understanding of the role and what is required to be successful in it. I have a proven track record of success, and I am confident that I can deliver results for your company.

Some of my key strengths that I would bring to the role include my attention to detail, my ability to stay calm under pressure, and my strong communication skills. I am also proficient in using firearms and defensive tactics.

I am eager to put my skills and experience to work for your company and to help you achieve your goals. I would appreciate the opportunity to discuss this position with you in further detail. Thank you for your time and consideration.

Executive Protection Agent Cover Letter Example 3

I am writing to express my interest in the Executive Protection Agent position that you have posted. I believe that my extensive experience as a security professional, coupled with my education and training, make me an ideal candidate for this position.

I have been working in the security industry for over 10 years. My experience has afforded me the opportunity to work in a variety of different environments and situations. I have worked as a bodyguard for high-profile clients, including politicians, celebrities and business executives. I have also worked as a security consultant for corporations and private businesses. In both positions, I was responsible for developing and implementing security plans that would protect my clients from physical harm.

My experience has also given me the opportunity to work in a variety of different capacities. I have worked as a bodyguard, a security consultant and a security manager. I have also served as a member of several security teams. These experiences have taught me how to work well with others and how to lead when necessary. They have also given me the opportunity to develop my communication skills and learn how to interact with people from all walks of life.

I am confident that my experience and education will allow me to be an asset to your company. I am also confident that my ability to think quickly on my feet will help me to keep your clients safe at all times. I look forward to discussing this position with you further at your earliest convenience.

Executive Protection Agent Cover Letter Writing Tips

1. show your skills.

When writing a cover letter for an executive protection agent position, it’s important to highlight your skills and experience that make you the perfect candidate for the job. Some ways of doing this include:

• Discussing your experience in law enforcement or the military and how it has prepared you for this type of role.
• Highlighting your experience in risk assessment and crisis management.
• Mentioning any awards or accolades you have received for your work in the security industry.

2. Customize your cover letter

Just as with any other job application, it’s important to personalize your cover letter when applying for an executive protection agent role. Talk about why you’re interested in the job and how your skills and experience make you the perfect candidate. Use specific examples from your past work experiences to illustrate how you would be an asset to the company.

3. Show your commitment to safety

Employers want to know that you have a strong commitment to safety and will do everything possible to protect their clients. In your cover letter, talk about how you go above and beyond to ensure the safety of those around you. For example, you could discuss how you’ve created safety protocols or how you’ve responded to dangerous situations in the past.

4. Proofread your cover letter

Just as with any other job application, it’s important to proofread your cover letter before submitting it. This will help you catch any errors in spelling or grammar, and will give you a chance to revise your letter so it’s the best it can be.

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Customer Center

One of the most mis-understood protections offered to your clients at and before the closing is that coverage known as Closing Protection Coverage.  It is a State requirement that Title Insurers, through their approved agents, notify the parties to a transaction (Lender, Buyer and Seller) of the availability of Closing Protection Coverage for those closings that involve the issuance of a Title Insurance Product.

Closing Protection Coverage Questions and Answers For Your Clients

What is closing protection coverage.

It is an indemnity contract protecting the addressee of the contract, against two potential losses arising from the Title Insurer’s approved agent’s failure to 1) properly handle the “funds” in a real estate closing and 2) properly comply with written closing instructions from the addressee to the title agent.

Why is Closing Protection Coverage Necessary?

A Title Agent traditionally performs two separate tasks associated with a residential property transfer.  The first is that of a Title Insurance Policy Issuing Agent.  The Title Agent researches the public records of the property and offers to insure the parties involved against loss, claim or damage arising from matters covered under the Title Insurer’s Policies of Title Insurance.  Whether covering a Lender, a Buyer or a Seller, these policies assure the insured that their respective interests are protected against unforeseen and unknown defects in the property’s title that could adversely affect their respective interests.

The second traditional role played by the Title Agent is that of an Escrow Disbursing Agent.  Since the transaction requires monies to trade hands, and since the title search requires payments of items such as taxes, mortgages and liens to be satisfied prior to the Title Agent issuing its Title Insurance Policies, the Title Agent assumes the role of collecting and disbursing the closing funds.

In these two very distinct roles played by the Title Agent, errors can happen.  These errors can affect the parties’ interests in the title to the property or not.  These errors can be strictly monetary in nature and not affect the parties’ interest in the property.  Since the Title Insurance Policies issued only defend and protect against defects in the various ownership interests’ insured, certain “closing” errors may not be covered by the Title Insurance Policies the clients receive.  This is why Closing Protection Coverage exists and is offered.  It covers the range of potential errors arising from real estate closings that traditional Title Insurance Policies do not cover.

How Much Does Closing Protection Coverage Cost?

First and most importantly, Closing Protection Coverage is ONLY available if a Policy of Title Insurance is being issued in connection with the closing.  If one or more Policies of Title Insurance are being issued, the following are the costs to the clients:

Cash Transactions:

Buyer: $40.00

Seller: $55.00

Financed Transactions:

Lender: $40.00

Buyer: $20.00

How Do I Discuss Closing Protection Coverage with my Clients?

To the general public this seems quite bizarre.  It is difficult t0 have the discussion with your clients regarding the potential loss or theft of monies or closing mistakes.  They look to you to provide them with professionals in all areas of their home buying and selling experience and now you are discussing the possibility, however remote, of theft, fraud, dishonesty and incompetence.

Have a frank discussion with them and let them know your role and advice is to make sure they have all the information they can have to make their own informed decision.  Tell them that while relatively few buyers or sellers purchase the coverage, all Lenders require the protection, and at the nominal price involved, it is something to consider.

I maybe unusual, but I want your clients to purchase this coverage.  I DO NOT make any money from selling this coverage.  I DO believe in the protections provided by the coverage and by, of course, title insurance in general.

What Should We Do If The Clients Want Closing Protection Coverage?

If you know before the closing, advise your Title Agent that your client would like the Closing Protection Coverage and then the fee for the coverage can be charged on the closing statement just like the other expenses.  You will also require the Title Agent to send to you and your client the Closing Protection Coverage Letter, listing your client as the Addressee insured.  You should also make sure the transaction involves the issuance of a Title Insurance Policy to either the Buyer, Seller or Lender.

If your client decides to purchase the coverage when you are physically at the closing, then require the following:

Make a separate check payable for the fee to the Title Agent’s Insurer ( NOT the local Title Agent)

Obtain from the Title Agent while at closing, the Closing Protection Coverage Letter from their office.  It takes just a few minutes to generate and can be emailed to you and your clients while you are at the closing.

I have attached a “SAMPLE” Closing Protection Coverage Letter for reference.

What Are Some Examples Where Having Closing Protection Coverage Would Protect My Clients?

Whenever the discussion of Closing Protection Coverage comes up amongst Title Agents, it generally centers around the protections afforded the Lender.  This is because the Lender always requires the coverage and few buyers and sellers request the protection.  Most case law involved in the defense or use of Closing Protection Coverage, involves Lending Institutions, but the ordinary consumers have the same right to the protections Lenders require.

Think of an instance where you’ve had a closing and there was some type of closing error involving the numbers.  How many times have you’ve had to request multiple closing statements because this or that item was not addressed.  With all the communication and data entry input that goes into peoples’ names, addresses, loan amounts, purchase prices, commissions, tax prorations, payoff calculations, legal descriptions, points, closing costs, government fees, warranties, inspections and repairs, it isn’t hard to envision a simple mistake or a big one.  That mistake may not be something that affects the parties’ legal ownership interest and therefore not covered under the Title Insurance Policy.  Closing Protection Coverage can give the client the peace of mind that a National Title Insurance Company, with significant financial resources, will stand behind the mistake and not just the local Title Agent.

One of the operative conditions of the coverages afforded under the Closing Protection Coverage, is that the Title Agent must have received and accepted “closing instructions” from the Addressee.  Now Lenders provide Title Agents very specific and detailed closing instructions on every transaction.  So do your Buyers and Sellers.  The Purchase Contract acts as the closing instructions to the Title Agent from the Buyer and Seller.  In their duties as Escrow Disbursing Agent, the Title Agent reviews the Purchase Contract and attempts to comply with the terms and conditions set forth between the parties in the Purchase Contract.  What happens if the Title Agent makes a mistake?  What happens if the vesting of the new deed is not what the Purchase Contract called for?  What happens if the Title Agent doesn’t prorate taxes properly pursuant to the Purchase Contract?  What happens if the Title Agent doesn’t collect the correct amount to pay in full the seller’s mortgage?  What happens if the Title Agent fails to transfer an adjacent lot that was supposed to be part of the deal?  The ownership of the property isn’t necessarily in question, but a closing error has caused a loss to somebody.

Try not to fall into the trap of “you don’t need this”.  Don’t say, “if the title company had done their job you wouldn’t need this”.  Don’t say, “You are just giving more money to someone who if he is going to steal your money, he is going to steal that too”.  Saying and thinking this means we haven’t done a good enough job of educating real estate professionals on the very valuable resources and protections offered by Land Title Professionals and our Industry.  The protection is there for a reason.  It is mandated by Statute that the consumer is informed of and either accepts or rejects the coverage for a reason.  It’s because it is important.

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About Close Protection CVs

My name is Julian H Daniels (JHD) and I have gained a welcomed-reputation of being a true expert in creating ‘interview-winning’ CVs for personnel who are seeking appointments in the Close Protection industry.

I commenced my CV service back in 2008, which was initially in partnership with the CP World forum, and I have assisted over 1,500 personnel gain employment and promotion in the industry.

See more on the About Page.

The Complete CV Package with Cover Letter & Prospecting Letter

Personalised CV

Tailor-made to maximise your appeal, which is achieved by playing to your ‘desirable’ characteristics, key skills and strengths. Your new CV will give off clearly defined and enticing signals to the potential employers or recruitment companies. By adding ‘weight’ in particular areas, I have been successful in creating CVs that are focused and targeted to specific sectors. Furthermore, my CVs stand out from the crowd which is achieved due to the specialist design and the unique layouts.

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Get ahead with the right CV

Whether you are looking to enter the Close Protection, Personal Security Detail (PSD) or Maritime Security sectors or if you have already established yourself as a proficient operator, leader or manager, I am here to assist in the development of your career by promoting your unique attributes through my CV writing service.

In addition to the Close Protection industry I have also created successful CVs for other sectors, which includes paramedics, engineering and logistics.    

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United States: Closing Protection Letters - Questions Asked By Title Agents

What is the Purpose of a Closing Protection Letter?

In a closing protection letter, your underwriter agrees to reimburse the addressee if your title agency is guilty of fraud or dishonesty in handling the closing money or documents, which courts have said covers more than just theft of the loan money, or if you fail to follow certain written closing instructions.

Lenders entrust loan money to your company when your underwriter puts its financial strength behind you by agreeing to pay the lender if the money is stolen or you fail to follow the closing instructions.

How Does the Closing Protection Letter Help Me?

Title insurers issue closing protection letters to make it possible for you to serve as a loan closer.

The Dodd-Frank Act requires that lenders conduct "thorough due diligence to verify that the service provider understands and is capable of complying with Federal consumer financial law." See CFPB Bulletin 2012-03, page 2. The only vetting process used by many lenders in approving a title company as their closing agents is to get a closing protection letter from your underwriter. Most lenders make the issuance of a closing protection letter the main building block of their vetting of your company for their approved-closer lists.

Now more than ever, almost no lender will hire a title agent as its closing agent without the issuance of a closing protection letter by its underwriter.

Why Do Title Insurers Issue Closing Protection Letters?

The Closing Protection Letter started as a very informal request by certain lenders in the 1970's, when those lenders were beginning to lend across the nation and title insurers were just building national agent networks.

Title insurance companies were willing to issue Closing Protection Letters to assist their agents in getting into the loan closing business by encouraging out-of-state lenders to hire them to close loans made to local residents.

The first Closing Protection Letter were issued as letters, not insurance policies or other more formal agreements, because the requests were informal and title insurers have no legal authority to issue surety bonds or other insurance for title agents.

Why Has the Closing Protection Letter Become an Issue Now?

The practices about issuance of Closing Protection Letters have changed very little over the years.

What has changed is that owners and employees of title agencies have stolen several hundred million dollars of money entrusted to them, with a steady increase in theft from the 1990's to the present.

Title insurers did not plan on paying out millions of dollars a year to provide free coverage against title agent closing acts, when they do not share in any of that closing revenue.

Also, lenders—especially the FDIC—have pushed very hard in the courts to stretch the coverage of the Closing Protection Letter so that it covers more than what the title industry intended.

For example, the FDIC has succeeded in Michigan and other states in making the insurer pay the FDIC the full amount of the loan, when the loan amount was pumped up by a fraudulent appraisal of the real estate. In the Michigan example, the title insurer paid the holder of the loan over $2 million, which was the real value of the property, under its policy claim. Then the FDIC made a separate claim under the Closing Protection Letter, which the court said it still "owned" after it assigned the loan. The court permitted the FDIC to collect the balance of the $5 million loan from the title insurer. JPMorgan Chase Bank, N.A. v. First American Title Ins. Co. , 750 F.3d 573 (6th Cir. (Mich.) 2014). See also, Bank of America, N.A. v. First American Title Ins. Co. , 2014 WL 1271227 (Mich.App. 2014) (unpublished), app. granted 497 Mich. 896, 2014 WL 1271227 (Nov. 19, 2014) and Federal Deposit Ins. Corp. v. First American Title Ins. Co ., 2015 WL 1906139, ___ Fed.Appx. ___ (11th Cir. (Fla.) 2015) (unpublished).

Do Title Insurers Pay Claims on Closing Protection Letters When the Title Agent Has Not Stolen the Closing Money?

Yes. In Federal Deposit Ins. Corp. v. First American Title Ins. Co ., 2015 WL 1906139, ___ Fed.Appx. ___ (11th Cir. (Fla.) 2015) (unpublished), the court said the "dishonesty" coverage of the Closing Protection Letter was invoked solely because the closer received the borrower's down payment from a third party. The court made the title insurer pay the entire loan amount to the FDIC, even though that loan amount was far more than the property was ever worth. It relied almost entirely on the Michigan decision of JPMorgan Chase Bank, N.A. v. First American Title Ins. Co. , 750 F.3d 573 (6th Cir. (Mich.) 2014). The court said this about the "dishonesty" of the title agent, Property Transfer:

Property Transfer's "failure" and "dishonesty" undoubtedly bore at least a "minimal causal relationship" to Old Bank's "actual loss." ... As a result of Property Transfer's "failure" to follow Old Bank's closing instructions, that is, as a result of Property Transfer's "failure" and "dishonesty," Old Bank funded two loans to an unqualified "straw buyer" who had no financial investment in the units and who in his applications for the loans materially exaggerated his income.

Although Old Bank received a first-priority lien on each unit, Old Bank lacked the bargained-for benefit of an honest, diligent closing agent and a borrower both invested in the units and motivated to repay the loans. Also, although Old Bank successfully foreclosed on each unit and could have elected to pursue deficiency judgments against Ray, an elective, alternative remedy serves to affect, at most, only the measure of damages, not to prove the lack of a minimal causal relation between a corrupt closing and a lender's consequent loss.

Undoubtedly, Old Bank's "actual loss" has at least a "minimal causal relation" to Property Transfer's "failure" and "dishonesty."

The FDIC has brought scores of lawsuits against title insurers on Closing Protection Letters, all over the United States, seeking millions of dollars of loans that were made because of fraudulent appraisals.

Why Don't Title Insurers Just Quietly Absorb Their Losses on Closing Protection Letters Like They Used To?

They cannot afford to pay millions of dollars every year on risks for which they collect no money.

The losses paid by title insurers as a percentage of gross income has floated between 4.3% and 11.7% over the past decade. See the A.M. Best and ALTA chart below.

Customers often say that the claims ratio for title insurance is too low. Those customers forget that title insurance is unique in that most of the premiums are spent to search and examine title. That portion of the premium is paid to title agents when they issue policies. Also, in Michigan, a title insurer pays a premium tax of 1.25% on the gross premiums collected, which includes the agent's split. This leaves a small portion of the premium from which the insurer must pay claims.

Using the chart above, assume that a title agent issues a policy on which the premium is $1,000 and the agent has an 85/15 split contract. The agent keeps $850. Thus, of the 88.9% shown as the composite expense ratio in 2012, the title agent takes 85%. The agent remits $150 to the underwriter. The insurer pays the State of Michigan $12.50 as premium tax. See

https://www.michigan.gov/taxes/0,1607,7-238-46621_47361-173089--,00.html .

Using the average loss figures from 2012, the insurer would pay seven percent of the total premium, or $70, on claims. The underwriter gets to keep $67.50 on that $1,000 premium, with which to pay its agency staff, underwriters, rent and all other business expenses (including the salaries of the people paying the claims).

The losses paid by the title insurer on Closing Protection Letters also come from the $67.50 received by the underwriter on a $1,000 premium.

The better question is not why the insurers are no longer willing to issue Closing Protection Letters for free, but how this system has survived so long.

Has a Title Insurer Ever Really Gone Out of Business Because of Closing Protection Letter Claims?

Yes. Several have. The National Association of Insurance Commissioners is concerned enough about title insurers' ability to pay future claims that it formed a working group to study the issue. It issued the Title Escrow Theft and Title Insurance Fraud Whitepaper.

New Jersey Title Insurance Company, established in 1888, ceased operations in 2011 after incurred large losses on CPLs.

Guaranty Title and Trust Company was liquidated in 2008 after incurring CPL liability. The court cancelled all title policies.

Ninety-year-old Southern Title Insurance Company shut down in September, 2011, after suffering large CPL losses in Texas. The title agents in Texas paid an extra fee to cover those losses after the underwriter went out of business, as is discussed below.

When an Agent Steals Money, Does the Title Insurer Pay Everyone Who is Hurt?

No. The title insurer pays the parties who are protected under the Closing Protection Letter. This does not include sellers, refinancing borrowers, real estate brokers or other service providers who were to have been paid from the closing money.

If the title insurer has not issued Closing Protection Letters, it does not pay anyone whose money was stolen.

What Other States Have Already Passed Closing Protection Letter Laws?

Recently, a number of states have imposed rules or laws requiring title insurers to issue Closing Protection Letters. Those states include Alabama, Arkansas, the District of Columbia, Delaware, Georgia, Idaho, Illinois, Louisiana, Missouri, Mississippi, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Utah and Virginia.

What Are the Terms of Other States' Closing Protection Letter Laws?

Illinois recently adopted what has become the most-copied law of this type, which the insurance department wrote and imposed on the industry without its input or comment.

That law requires a title insurer to issue a Closing Protection Letter to all parties to the transaction: buyer, seller, lender and borrower. The law requires the insurer to charge for each letter, and sets the fee. The Illinois regulator's impetus for adopting the law was a series of thefts in which sellers and refinancing borrowers lost money without recourse against anyone other than the thief.

Issuance of Closing Protection Letters to non-insureds requires the adoption of a law because, without such a law, a title insurer does not have a basis for issuing a Closing Protection Letter to a party who will not be its insured under a policy.

What Additional Protection Does a Customer Receive Under a Mandatory Closing Protection Letter Law?

A law requiring a title insurer to issue Closing Protection Letters to buyer, seller and lender in a sale, or to both lender and borrower in a refinance loan, gives protection to people who cannot get that protection today because they are not insureds. Those parties are the seller and the refinancing borrower.

Do Any of the Closing Protection Letter Laws Allow the Title Agent to Keep Part of the Closing Protection Letter Charge?

No. The regulators would not allow it.

First, the company for whom insurance is given cannot receive some of the premium paid for the insurance. That would be like your title agency getting a rebate of part of the premium you pay for an employee theft fidelity bond.

Second, if the title agent kept part of the Closing Protection Letter fee, this would increase the cost without any identifiable added service to the customer.

How Are Closing Protection Letters Issued in Split Closings?

The insurer whose agent closed the loan issues a Closing Protection Letter to the lender-insured. The insurer whose agent issued the owner's policy issues Closing Protection Letters to the buyer and seller.

Doesn't a Closing Protection Letter Law Force My Closer to Tell Everyone at Closing That They Are Paying a Fee in Case My Agency Steals the Closing Money?

Not when the law requires that the Closing Protection Letter be issued to all parties. In Ohio, the law makes the Closing Protection Letter optional, and the closer has to explain the statutory optout form to the customer at closing. It is awkward to explain the coverage enough to inform the customer on what he or she is opting to buy or not buy.

However, those laws that make the charge mandatory require no such explanation by the closer. The Closing Protection Letter charge appears on the HUD-1 (soon to be renamed the Closing Disclosure statement). The closer simply explains that the letter is required by law and that it provides a protection against certain closing acts.

Doesn't a Closing Protection Letter Law Give a Competitive Advantage to Branch Offices Over Agents?

No, when the law is properly drafted. Most laws, including the Illinois law, require title insurers to issue Closing Protection Letters on all transactions, whether closed by their own branches or by agents. There is no additional fee paid by the customer to close with a title agent.

Can't Title Insurers Eliminate the Theft Risk by Conducting More Escrow Audits and Making Title Agents Observe the ALTA Best Practices?

Especially in the last decade, title insurers have learned what employee theft bond sureties have long known—that controls and audits limit the risk of theft and sometimes the amount of money stolen, but cannot eliminate the possibility of theft. No set of controls can ever prevent an employee or owner of a title agency from stealing escrow money. A theft can occur the day after an audit.

Also, the thefts have not been limited to people with no track records. Some of the people who have stolen money have been long-time industry members with excellent reputations.

Is There Another Kind of Insurance or Bond Available in the Insurance Markets to Cover the Same Risks Covered by a Closing Protection Letter?

No. Secure Settlements offers a policy to lenders that supplements Closing Protection Letter coverage but does not replace it. See the article at

http://nationalmortgageprofessional.com/news/41781/ssi-and-lloyds-london-will-now-offer-lenders-coverage-consumer-data-theft-agents

What Are The Alternatives to a Law Requiring the Issuance of Closing Protection Letters to All Parties?

There are other ideas for protecting customers. None of them have the same effect as a mandatory Closing Protection Letter law.

The other ideas are a guaranty fund managed by the state or a board set up by law, a law making a title insurer strictly liable for theft by a title agent, and centralized funding of loans by title insurers.

These options have been considered by the National Association of Insurance Commissioners.

The NAIC draft reports is found at:

http://www.naic.org/documents/committees_c_title_tf_escrow_theft_white_paper_sg_121031_escrow_theft_white_paper_alta.pdf

The same options were discussed in the Title News article found at

http://www.alta.org/publications/titlenews/12/volume91_issue02.pdf .

Any system that requires a law or regulation also requires the support of the regulator. The title industry does not have the ability to simply tell the Department of Insurance which option it should select. The more work and oversight a proposal would require from the Department, which has limited staffing, the less likely it is that the proposal would receive the Department's support.

What States Have a Guaranty Fund, How Would That Kind of Law Work, and What Are the Good and Bad Points About That Idea?

Texas is the only state that has such a fund. See http://www.ttiga.org/ .

According to its website, the Texas Title Insurance Guaranty Association ("TTIGA") "is a nonprofit, unincorporated association of all Texas-licensed title insurance companies. It exists to protect Texas title insurance policyholders and claimants when a title insurance company or agency fails."

Title agents pay fees directly to the TTIGA on all policies. Neither the customer nor the title insurer pays any fee to the guaranty fund.

TTIGA collects the policy guaranty fee from title insurance transactions to fund the title insurance agent audit function of the Texas Department of Insurance and to fund the payment of covered escrow account shortages resulting from the insolvency of a title insurance agent.

In 2014, the TTIGA collected a special additional charge to pay back insureds when underwriter Southern Title Insurance Company went bankrupt due to thefts by Texas title agents. A surplus was collected for the Southern Title disaster, so fee payments were suspended in 2015.

The TTIGA fund does not pay out unless a title insurer or agent goes bust. If an employee of the title agent steals money and the title agent covers that theft, the title agent may not collect from the TTIGA fund as if it were a fidelity bond.

The Texas TTIGA system is one part of the Texas regulation of the title insurance and closing businesses. Those regulations are the most comprehensive and stringent in the United States. They are very different from the Michigan regulations, which do not even cover the subject of closings and settlement services.

Texas sets the premium split between underwriter and agent. See P-23, Division of Premiums between Title Insurance Agents and Title Insurance Companies, found at http://www.tdi.texas.gov/title/titlem4d.html#p-22 . Another part of those regulations requires title agents and independent closing attorneys to put all closing funds in escrow accounts set up and constantly monitored by title insurers. Any benefits earned from those accounts go to the title insurer, not the agent. The agent does not get to select the bank that will hold its escrow account. The state has the right to audit the title agent's escrow files and account records. Also, every Texas title agent must maintain minimum capitalization standards. See http://www.tdi.texas.gov/title/titlem6s1.html#s1 . Every title agent must buy a bond that runs in favor of the state that protects the state in the event the agency is underfunded. See http://www.tdi.texas.gov/forms/pctitle/pc417_MinCapBnd.pdf . Each year, the title agent must submit an audit report and its Title Agent's Unencumbered Assets Certification (Form T-S1).

Adoption of a Texas system for closings would require the adoption of a much more comprehensive set of rules than just the creation of a guaranty fund. At present, Michigan does not regulate escrows or the closing process or license closing agents.

What States Have a Strict Liability Law, How Does That Kind of Law Work, and What Are the Good and Bad Points About That Idea?

Three states have strict liability laws. The laws differ from each other.

Florida law (Fla.Stat.Ann. § 627.792) provides that a title insurer is liable for the defalcation, conversion or misappropriation of settlement funds held in escrow by a licensed title insurance agent. Nebraska imposes strict liability on insurers for agent theft of closing funds. Neb. Rev. Stat. § 44-1993(8). Utah law makes a title insurance company directly and primarily liable to parties who deal with its appointed agents concerning the receipt and disbursement of funds deposited in escrows, closings, or settlements. Utah Code Ann. § 31A-23-308.

Some title agents have suggested that a strict liability law be adopted instead of a Closing Protection Letter law. Lenders do not see this as alternative solutions. They still demand Closing Protection Letters in the three states with strict liability statutes. One reason is that a Closing Protection Letter covers problems other than the theft of money by the closing agent. In the Florida FDIC decision discussed above, the closing agent did not steal any money, but the FDIC collected the full loan amount from the title insurer under the Closing Protection Letter.

The biggest effect of a strict liability law is that the title insurer is directly responsible for money theft for every agent it appoints, on every deal it closes. The insurers place even tighter controls on all agents, including more frequent and invasive escrow audits. Agents are cancelled more readily when there is suspicious activity or a mishap, including theft by an employee even if the agent makes up the shortfall in the escrow account.

In What States Do Title Insurers Provide Centralized Loan Disbursement, How Does That System Work, and What Are the Good and Bad Points About That Idea?

Title insurers already do centralized disbursement in California, Washington, Oregon, Arizona, Utah, Nevada and New Mexico. This system is called sub-escrow. The escrow company or title agent handles the documents. The title insurer handles the money, especially the payoff of mortgage loans.

A title insurer can begin centralized disbursement for a lender in any state at any time. No law is required to "approve" this system. A title insurer charges a sub-escrow fee. In Michigan, escrow services are not regulated by the state. A title insurer would not be required to file its sub-escrow fees with any governmental agency.

In California, title insurers took over loan disbursements as sub-escrows after several wellpublicized incidents in which employees or owners of independent escrow companies stole money deposited with them by lenders and buyers, hurting innocent parties. See Mark Sabbatini, Embezzlement Suspects Surrender: Escrow: Santa Clarita couple plead not guilty , in the LA Times, found at http://articles.latimes.com/1995-03-24/local/me-46734_1_kathy-wiener . Also, Notice to Potential Claimants of The Escrow Source by the California Department of Business Oversight, found at http://www.dbo.ca.gov/Actions/EL/Escrow_Source/Default.asp . See also California Escrow Agent Arrested for Stealing from Escrow Accounts , found at http://mortgagefraudblog.com/california_escrow_agent_arrested_for_stealing_from_escrow_acc ounts/, and Atwater Man Charged in Real Estate Fraud Scheme , found at http://mortgagefraudblog.com/atwater_man_charged_in_real_estate_fraud_scheme/ .

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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Protection Assistant Cover Letter Example

The Protection Assistant supports the protection officers with the implementation of protection and rule of law program activities in the set-up of protection interventions. These professionals work closely with the community-based volunteers in leading outreach and mobilization activities.

Besides, the Protection Assistants are also responsible for conducting a range of protection activities, including information providers and regular participatory protection assessments of selected beneficiaries.

Write a well-appreciated cover letter with our free Protection Assistant Cover Letter sample and expert writing tips. Need something super quick? Utilize our readymade cover letter samples to do the work for you.

• Cover Letters
• Law Enforcement, Military & Security

Most of the Protection Assistants work individually and collectively, contributing to a working environment where each person feels safe and empowered to perform their duties. This may include demonstrating no tolerance for abuse, sexual exploitation, harassment, sexism, gender inequality, and abuse of power.

The protection assistants are employed in all types of organizations, but most of them are employed by law firms, corporate legal departments, and government agencies.

Employment for this class is projected to grow 12% from 2020 to 2030, faster than the average for all occupations.

The median annual wage for the Protection Assistants was $56,230 in May 2021.

What to Include in a Protection Assistant Cover Letter?

Roles and responsibilities.

• Ensuring daily operation of information and support centers in assigned zone.
• Providing timely feedback on issues and complaints raised by refugees.
• Ensuring all protection concerns and/or complaints by refugees are accurately assessed and recorded in the intake.
• Conducting one follow up of the case, according to operating procedures.
• Coordinating with service providers to strengthen referral pathway.
• Conducting PSN home visits, assessing the needs, and ensuring adequate referral and assistance provided.
• Working closely with community-based volunteers and providing support and guidance in their activities.
• Conducting regularly field participatory protection assessments, using as much as possible the age, gender, and diversity approaches.
• Enhancing and facilitating discussion on main protection concerns and response capacity, within the displaced and the host communities.

Education & Skills

Protection assistant skills:.

• Relevant professional experience.
• Familiarity and experience with DRC and its persons of concern.
• Familiarity with the NGO sector would be advantageous.
• Good spoken and written English skills, and relevant computer skills.
• High respect for client and organization confidentiality.
• Demonstrable interpersonal skills and respect for people with special needs and other vulnerabilities.
• The ability to work in a multicultural context.

Protection Assistant Education Requirements:

• University Degree in Social Science, psychology, or other relevant fields.
• Bachelor’s degree with demonstrated strong experience.
• Experience of work in the UN or NGO or Voluntary sector is preferred.

Protection Assistant Cover Letter Example (Text Version)

Dear (Hiring Manager’s name),

With profound admiration, I am pleased to say that I have been informed that the Protection Assistant position is expected under your kind control, I found myself able to apply for the above-mentioned position. Hence, sending forth my resume and this letter for your consideration. I believe that my skills and expertise in the field align well with the mentioned job requirements. As you can see that my credentials are filled with progressive responsibilities at various levels and in different organizations. My past success has stemmed from my strong commitment and a dedicated sense of professionalism.

I have earned my bachelor’s degree in criminal justice and have also worked in law enforcement for the last three years. I am familiar with the environment associated with this type of work, and I also understand how stressful it can be and how often it means to work in violent and dangerous surroundings. I possess very strong decision-making skills, and the ability to stay calm and react quickly during emergencies.

My experience includes working with various companies wherein I was accountable for supporting property inspectors and helping the team to complete their projects on time. I am convinced that I can provide you with the detailed information needed for you to see the additional strengths I could make if given the chance to come in for an interview.

Thank you for your time and consideration.

Sincerely, [Your name]

Career Builder Study states that almost 10% of the hiring managers reject applications that don’t attach a cover letter. Hence it becomes critical for the job applicants to craft a well-drafted Protection Assistant Cover Letter that explains their motivation for joining the company. Even if not required, including a strong Protection Assistant Cover letter will show your recruiter that you can go an extra mile to land the role you want, especially when a Protection Assistant resume template accompanies it.

Use our Protection Assistant Resume Samples and get that first impression from your employer.

Customize Protection Assistant Cover Letter

Get hired faster with our free cover letter template designed to land you the perfect position.

Related Law Enforcement, Military & Security Cover Letters

How to Close a Cover Letter: 60 Examples of Strong Closing Statements

By Status.net Editorial Team on December 12, 2023 — 16 minutes to read

A strong cover letter closing is essential in making a great impression and reinforcing your enthusiasm for the job opportunity. It provides a final opportunity to emphasize your relevant skills, experiences, and personal attributes that make you an ideal candidate. A compelling closing also encourages the employer to take action, such as inviting you for an interview. Consider these examples:

• Thank you for considering my application. I am looking forward to the opportunity to contribute my skills and experiences in this exciting role.
• I am eager to discuss how my background aligns with your team’s goals and how I can contribute to your company’s growth.
• I am confident that my expertise in social media marketing makes me well-suited for this position, and I appreciate your time and consideration.

Positive Impact on Employers

Your cover letter closing is crucial, as it leaves a lasting impression on the employer and influences their perception of you as a candidate. A positive and engaging closing helps you stand out among other applicants and increases your chances of being selected for an interview. Here are a few key points that can create a positive impact:

• Express gratitude : Show appreciation for the time the employer has spent reading your cover letter, and thank them for considering your application.
• Be enthusiastic : Reiterate your excitement about the job opportunity and the prospect of joining their team.
• Include a call to action : Encourage further engagement, like scheduling an interview or discussing your qualifications in more detail.

For example:

Thank you for taking the time to review my application. I am highly enthusiastic about joining your team and discussing my potential contributions to your ongoing projects. Please don’t hesitate to reach out to me at your earliest convenience.

Crafting Your Final Paragraph

Summarizing your enthusiasm.

To leave a lasting impression, summarize your enthusiasm for the role in your closing paragraph. Highlight your excitement about the opportunity and express gratitude for the potential connection with the company. For instance:

I’m thrilled about the prospect of joining the (…) team and contributing my marketing skills to drive innovative campaigns. Thank you for considering my application.

Reaffirming Your Best Fit for the Role

Before signing off, reinforce why you’re the perfect candidate for the position. Briefly recap your relevant experience, skills, or accomplishments that set you apart. Be concise yet confident in your message. For example:

With my five years of experience in international sales and my proven ability to develop long-term client relationships, I am confident in my ability to excel as your next Sales Manager.

Choosing the Right Sign-Off

Professional sign-off options.

Selecting the appropriate closing for your cover letter can leave a lasting impression. Here are some professional sign-off options to consider:

• Sincerely : This classic sign-off is appropriate for most scenarios and conveys professionalism.
• Best regards : A versatile and slightly more casual option, ideal for a variety of industries.
• Kind regards : This friendly sign-off is suitable when you have developed a rapport with the receiver, like the hiring manager.

You can also try other options such as Yours truly , Respectfully , or Yours faithfully , depending on your preference and the nature of the job you are applying for.

Matching the Company Culture

Try to tailor your sign-off to match the company culture. Researching the company’s website, social media, or reviewing employee testimonials can help you get a better understanding of the company culture. For example:

• Innovative or creative industries : Feel free to express yourself with a casual yet professional closing, like Warm Regards or Cheers .
• Traditional or formal industries : Stick to more formal options such as Sincerely or Best Regards .

Incorporating a Call to Action

Proposing the next steps.

A well-crafted cover letter should inspire the reader to take the next step. This could include scheduling an interview, discussing your application further, or even simply reviewing your attached resume. To encourage this action, incorporate a call to action (CTA) at the end of your cover letter that guides the hiring manager.

Some examples of CTAs in the context of cover letters include:

• Schedule a meeting : “I’m excited about the opportunity to discuss my experiences and how they align with the [job title] position. Let’s set up a time to chat!”
• Ask for a callback : “I’d be thrilled to further discuss my application and the value I bring to the table. Give me a call at your earliest convenience to chat more.”
• Direct them to your portfolio : “I’d love to showcase my recent work, which you can find at [website link]. Let’s discuss how my skillset aligns with the [job title] role.”

Remember to tailor these examples to your specific application and the company to which you’re applying.

60 Examples of Strong Closing Statements For a Cover Letter

• 1. This position seems like a perfect match for my experience, passions, and career aspirations. I would love to bring my skills and expertise to your organization.
• 2. I am confident that I can make an immediate and positive impact if given the opportunity to join your team. I look forward to discussing how I can contribute to your organization’s success.
• 3. My background and capabilities align well with the responsibilities of this role. I am excited by the prospect of applying my experience to this position.
• 4. I am enthusiastic about the chance to join your organization. Please contact me to further discuss my qualifications and how I can add value.
• 5. I would welcome the opportunity to showcase my abilities and help drive growth and innovation through this position. I am eager to learn more.
• 6. With my skills and experience, I am prepared to excel in this role and hit the ground running. I look forward to speaking with you.
• 7. I am confident I would thrive in this position. I am eager to bring my skills, passion, and drive to your dynamic team.
• 8. I believe I am an excellent fit for this opportunity and am excited by the prospect of contributing my talents to your organization. I welcome the chance to speak with you further.
• 9. My experience aligns well with the responsibilities of this exciting role. I am enthusiastic about the opportunity to apply my skills to benefit your organization.
• 10. I am excited by the chance to join your team. I look forward to further discussion.
• 11. I am confident that I possess the necessary qualifications for this role and would excel if given the opportunity.
• 12. With my background and passion, I am prepared to hit the ground running and make an immediate impact through this position. I would love to join your team.
• 13. I am eager to apply my expertise to help drive success and innovation for your organization. Please contact me to arrange a time to talk.
• 14. My experience has fully prepared me to excel in this role. I am excited by the prospect of bringing my skills to your dynamic organization.
• 15. I am enthusiastic about this opportunity and the chance to contribute to your company’s continued growth and innovation. I look forward to elaborating on my qualifications.
• 16. I am confident I can perform exceptionally well in this position. I am excited by the prospect of joining your team and organization.
• 17. With my proven track record, I am prepared to dive in and deliver results through this role. I would be thrilled to join your organization.
• 18. I am eager to join an organization where I can utilize my expertise to create meaningful impact. This role seems like an excellent fit.
• 19. I am excited by the prospect of joining your innovative company. My skills would enable me to contribute to your team’s success right away.
• 20. I am confident my background makes me a competitive applicant for this opportunity. I am excited to further discuss my qualifications with you.
• 21. With my experience and passion, I know I would thrive in this position. I hope to have the chance to join your talented team.
• 22. I am enthusiastic about the prospect of bringing my skills and experience to your dynamic organization.
• 23. I am eager to apply my expertise to help drive innovation and success in this role. I would be thrilled to join your team.
• 24. I am confident my abilities make me a strong candidate for this opportunity. I am excited by the chance to contribute to your company’s growth.
• 25. I believe I possess the necessary skills, experience, and drive to excel in this position.
• 26. With my background, I am prepared to dive in, roll up my sleeves, and immediately begin adding value in this role. I am excited by this opportunity.
• 27. I am enthusiastic about the prospect of joining your team. I am confident my experience would allow me to thrive in this position.
• 28. I would welcome the opportunity to join your organization and collaborate with your talented team in this role. Please contact me to further discuss my qualifications.
• 29. I am excited by the chance to apply my skills and experience to help drive innovation and success for your company. I hope to speak with you soon.
• 30. I am eager to bring passion, expertise, and a strong work ethic to this position. I am confident I would excel on your team. I look forward to further discussing how I can contribute to your organization’s success.
• 31. I am confident that I have the necessary qualifications to excel in this role, and I am excited by the prospect of contributing my skills to your organization. I look forward to discussing this opportunity further.
• 32. With my experience and capabilities, I know I would be a great asset to your team through this position. I am eager to bring my passion and expertise to your dynamic organization.
• 33. I am enthusiastic about the chance to apply my background in a way that drives meaningful impact and innovation. This role seems like an ideal fit for my skills.
• 34. I am eager to join your organization and collaborate with your talented team to deliver exceptional results.
• 35. I am prepared to hit the ground running and make immediate contributions in this role. My experience aligns well with the responsibilities, and I am excited by the prospect of joining your company.
• 36. I am confident that I possess the ideal qualifications for this opportunity. I would love to join your organization and contribute my skills to help drive future success.
• 37. With my proven track record and expertise, I am prepared to dive in and immediately begin adding value through this position. I am excited by this opportunity and welcome further discussion.
• 38. My background and capabilities make me confident that I can perform exceptionally well in this role.
• 39. I am eager to apply my skills in a high-impact position with a respected organization like yours. I am confident I would thrive on your team. Please contact me to arrange a meeting.
• 40. I believe this role is an excellent match for my qualifications. I am excited by the opportunity to contribute my experience and talents to your innovative company.
• 41. I am confident that my background has prepared me well to excel in this position. I would be thrilled to join your talented team and organization.
• 42. With my passion, expertise, and proven ability to deliver results, I am prepared to dive in and immediately begin driving value through this role. I am excited by this opportunity and look forward to further discussion.
• 43. I am enthusiastic about the prospect of applying my skills in a challenging and rewarding position at your respected company. I am eager to learn more about this opportunity.
• 44. I am excited by the chance to join your dynamic team. My experience has fully prepared me to thrive in this position and help drive your organization’s continued success.
• 45. I am confident I possess the ideal qualifications for this opportunity. I would welcome the chance to join your team and contribute to future growth and innovation.
• 46. With my background and capabilities, I am prepared to excel in this role. I am enthusiastic about the prospect of applying my experience to benefit your organization. I look forward to speaking with you.
• 47. I am eager to utilize my expertise. Please contact me to arrange a meeting to discuss my qualifications.
• 48. I am excited by the prospect of joining your team. I am confident my skills and experience make me a competitive applicant for this opportunity. I look forward to further discussion.
• 49. This role seems like an excellent match for my background. I am enthusiastic about the opportunity to contribute to your organization’s success and future growth.
• 50. I am confident I possess the necessary experience and qualifications to excel in this position. I would be thrilled to join your talented team. I look forward to speaking with you.
• 51. I am excited by this opportunity and welcome the chance to further discuss my qualifications.
• 52. I am eager to apply my expertise in a challenging role that enables me to create meaningful impact. I am confident I would thrive in this position on your team.
• 53. I believe I am an excellent fit for this opportunity. I would be honored to join your organization and collaborate with your talented team. I look forward to further discussion.
• 54. I am enthusiastic about the prospect of contributing my experience to help drive innovation and continued success. I am excited by this opportunity and confident in my ability to excel.
• 55. Thank you for reviewing my application. I am eager to bring my background and capabilities to this exciting role on your team. I am confident I can perform exceptionally well if given the opportunity. I look forward to speaking with you.
• 56. With my proven skills and expertise aligned with this position’s responsibilities, I am prepared to dive in and immediately begin adding value to your organization.
• 57. I am confident that my experience, capabilities and passion for excellence would allow me to thrive in this role. I would welcome the opportunity to join your respected organization and am eager to further discuss my qualifications.
• 58. I am excited by the prospect of utilizing my background to help drive innovation and success in this position. I am confident in my ability to excel on your team and look forward to learning more.
• 59. I believe I am an excellent candidate for this opportunity. I am enthusiastic about applying my experience to contribute to the continued growth and success of your esteemed organization.
• 60. With my proven track record and expertise, I know I would thrive in this role. I am eager to bring my skills and passion to your dynamic team. Thank you for your consideration – I look forward to discussing this opportunity further.

When choosing a closing statement, make sure it matches the overall tone of your cover letter and reflects your personality. Also, take into consideration the company culture and position you’re applying for.

Examples of Effective Cover Letter Closings

Formal closings.

• Respectfully,
• Yours faithfully,
• Kind regards,
• Best regards,
• Yours sincerely,
• Yours truly,

Semi-Formal Closings

• Warm regards,
• Best wishes,
• With appreciation,
• Looking forward to your response,
• Yours in professional success,
• Many thanks,
• Thank you for your consideration,
• Eager for the opportunity to connect,

Casual Closings

• Have a great day,
• All the best,
• Thanks so much,
• Excited to chat soon,
• Grateful for your time.

Polishing Your Cover Letter Ending

Proofreading for errors.

Don’t underestimate the power of a well-proofread cover letter. Before sending it off, give it a thorough read-through, and look closely for any grammar, spelling, or punctuation errors. Consider using a grammar tool to help catch mistakes you might have missed. Also, ask a friend, family member, or even a professional to review your cover letter. Their fresh perspective can provide valuable insights and catch anything you might have overlooked.

Ensuring Consistency with Your Resume

To make your application seamless, double-check your cover letter and resume to ensure consistency. Pay special attention to details such as job titles, dates, and company names, as inconsistencies can raise concerns from potential employers. It’s also a good idea to match the formatting and fonts across both documents to give your application a polished and cohesive look. Make sure the skills and experiences you highlight in your cover letter are complementary to those mentioned in your resume, so they work together to make a strong case for your candidacy.

Sending Your Cover Letter

Email versus hard copy.

When sending your cover letter, you’ll usually have two options: email or hard copy. Each has its benefits and considerations:

• More convenient and faster
• Allows for easy tracking and organization
• Often preferred by employers
• Be sure to use professional language and an appropriate subject line
• Formal option, which may be required for certain industries or applications
• Neatly print and sign your cover letter
• Use quality paper and a matching envelope

It’s crucial to consider the preferences of the employer when deciding which method to use. If they haven’t specified a preference, feel free to choose the one that makes the most sense for you.

Following Submission Guidelines

No matter how well-written your cover letter is, failing to follow submission guidelines can hurt your chances of being considered for the position. Pay close attention to these key details when preparing your cover letter:

• Deadline: Be punctual in submitting your application – submit on time or even earlier.
• Formatting requirements: Follow any formatting requirements mentioned explicitly, such as font type, font size, and margins.
• File format: Save and send your cover letter in the requested file format, like PDF or Word Document (.docx).
• Contact information: Don’t forget to include your up-to-date contact information, such as your email address and phone number.

Frequently Asked Questions

What are some strong closing statements for a cover letter that stand out to employers.

A strong closing statement should reiterate your enthusiasm for the position and demonstrate your confidence in your qualifications. Here are some examples:

• “I’m excited about the opportunity to contribute my skills and experience to your team and look forward to discussing my qualifications further.”
• “Thank you for considering my application. I believe my expertise aligns well with the role, and I am eager to contribute to the success of your organization.”
• “I’m confident that my skills make me an ideal candidate for the position, and I’m eager to discuss how I can add value to your company.”

What’s the best way to format the closing section of my cover letter?

To format the closing section of your cover letter, you should:

• Leave a space between the last paragraph and your closing.
• Use a closing phrase like “Sincerely” or “Kind regards.”
• Add your full name and contact information, such as email address and phone number.
• If applicable, include any relevant links, such as your LinkedIn profile or online portfolio.
• Leave a space between your closing phrase and your name so you can add a digital or printed signature.

Should I use ‘Kind regards’ or ‘Yours sincerely’ to finish off my cover letter?

Both ‘Kind regards’ and ‘Yours sincerely’ are acceptable and professional ways to end a cover letter. You can choose which one you feel most comfortable with or suits your individual style. In general, ‘Kind regards’ is a safe and widely used option, while ‘Yours sincerely’ is considered a bit more formal.

How can you make a cover letter feel personal and engaging without being too casual?

To make your cover letter personal and engaging, try these tips:

• Address the recipient by name, if possible, to create a connection.
• Start your cover letter by mentioning a specific detail about the company or role to show you’ve done your research.
• Share anecdotes from your experience that directly relate to the requirements of the job and showcase your unique qualities.
• Focus on the value you can bring to the company, rather than just listing your qualifications.
• Resume vs. Cover Letter (Thoughtful Tips)
• How to Send an Email Cover Letter (Examples)
• Administrative Assistant Cover Letter Examples (Guide)
• Cover Letter vs. Letter of Interest vs. Letter of Intent
• Executive Assistant Cover Letter (Smart Examples)
• How To Write a Cover Letter [Inspiring Examples]

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What Is A Closing Protection Letter In Real Estate

Are you a real estate investor or buyer looking to purchase a property? If so, you may have heard of something called a Closing Protection Letter, or CPL. Understanding what a CPL is and how it works can be an important part of your real estate transaction. In this article, we’ll review what a CPL is, why it’s important, and why you may need one before your acquisition. We’ll also explain who pays for the CPL and how to obtain one. By the end of this article, you’ll feel comfortable and knowledgeable about CPLs and their role in real estate transactions.

What is a Closing Protection Letter?

A Closing Protection Letter (CPL) is a document issued to lenders and title companies in real estate transactions that ensures protection from potential losses. This important document is issued by an attorney or title insurance company and attests to the validity of the title company’s transfer of title from one party to the other. A CPL helps protect both lenders and title companies from a variety of potential losses, such as forged signatures, title defects, and missing documentation. According to the American Land Title Association, CPLs are part of the standard title insurance policy and have been used in real estate transactions for more than two decades.

The CPL is an important part of the title insurance policy and its purpose is to guarantee that the lender and title company are not liable for any losses that may occur in the title transfer. In most cases, the title company will issue the CPL on behalf of the lender, but the CPL may also be issued by an attorney in some cases. CPLs are designed to protect both the lender and title company from any potential risks due to missing documents, forged signatures, or title defects. A CPL may also provide additional protection from other potential risks, such as fraud or negligence.

When a CPL is issued, the lender and title company are provided with an assurance that the title company is in compliance with state and federal title regulations, and that any potential losses due to title defect or fraud will be covered. This document is required in many states and is an important part of a real estate transaction, as it provides protection

Definition of CPL

A Closing Protection Letter (CPL) is a document issued by a title insurance company to a lender and borrower in a real estate transaction. It serves as a guarantee from the issuer that the title insurance company will cover any losses in the event that a closing agent fails to properly disburse funds or perform the duties necessary to transfer the title of the property. CPLs are especially important when the closing agent does not have sufficient funds on hand to cover any potential losses.

In 2020, title insurance companies issued more than 700,000 CPLs as part of the closing process in real estate transactions. The CPLs issued by the title insurance companies are typically based on the amount of coverage the lender has requested and are subject to underwriting guidelines. CPLs are only valid if the issuer has sufficient funds to cover any potential losses in the event of a closing agent’s failure.

CPLs are also important as they are used to protect the interest of the parties involved in a real estate transaction. They are also used to protect the rights of the lender in the event of a title dispute or if the borrower fails to perform financial obligations. CPLs are used to provide assurance to both the lender and borrower that the title insurance company will be able to cover any losses in the event of a dispute.

CPLs are typically issued by national title insurance companies, such as Fidelity National Title, Old Republic Title, Stewart Title, and First American Title. These companies are responsible for issuing CPLs to protect their customers against any potential

Who Can Obtain CPL

A Closing Protection Letter (CPL) is an essential document in the real estate industry. It helps protect the buyer, seller, and lender from any misappropriation of funds during a home closing. CPLs are usually issued by a title insurance company to guarantee that the title to the property is clear and free from encumbrances and that the title company will be responsible for any losses that occur due to any errors or omissions.

In the event of a dispute, the CPL requires the title company to pay for any legal fees incurred by the buyer, seller or lender. Generally, the only parties who can obtain a CPL are the buyers, sellers, and lenders involved in the transaction. The title company may also require additional documents from the involved parties to ensure correct completion of the CPL.

The CPL is an important document, as it ensures that all funds are handled properly and that the buyer, seller, and lender are all covered in the event of a dispute. According to a recent survey done by the National Association of Realtors, 77% of real estate agents believe that the CPL is the most important document in real estate transactions.

In addition to protecting buyers, sellers, and lenders, the CPL can also be used to protect the title company itself. The CPL will provide the title company with a defense against any legal claims from the buyer, seller, or lender. This protection will help protect the title company from any liability arising from the transaction.

Having a CPL in place is essential for

What Does CPL Cover?

A Closing Protection Letter (CPL) is an important part of the real estate transaction process, as it provides assurance to both the buyer and seller that their funds and interests are safe. A CPL is issued by lenders, title companies, or attorneys to provide protection from any financial losses due to errors, omissions, or fraud from Title Companies. The CPL will cover the lender, the borrower, and the title company.

The coverage provided by the CPL will differ depending on the title company, but generally covers any financial losses due to errors or omissions in the title document preparation, missed liens or judgments, or fraudulent activity. It also provides protection in the event of a title company insolvency or bankruptcy, ensuring that the buyer and seller’s money is secure.

For example, if the title company fails to properly record the deed transfer to the buyer, the CPL will cover any financial losses resulting from the title company’s mistake. Additionally, the CPL is an additional form of insurance against title fraud, as it provides the buyer and seller with recourse should they suffer financial loss due to a fraudulent title transaction.

In the United States, the American Land Title Association (ALTA) has published Best Practices for CPLs to ensure that both the buyer and seller are fully protected throughout the title transfer process. According to ALTA, a CPL should cover a minimum of $50,000 in damages, though some lenders may ask for higher levels of coverage.

Overall, Closing Protection Letters are a

Advantages of CPL

A Closing Protection Letter (CPL) is a guarantee offered by title insurance companies to protect both buyers and sellers in residential real estate transactions. A CPL provides assurance to the parties involved that the closing process will be conducted properly and in accordance with the terms of the real estate transaction. It also serves as protection for the buyer or seller in the event of any title issues that may arise.

The primary advantage of a CPL is that it provides peace of mind for both parties involved in the transaction. Buyers and sellers can rest assured that their money and property are in safe hands, and that any title issues that may arise will be handled responsibly. In addition, the CPL also provides coverage for errors or omissions by escrow agents or other parties involved in the transaction.

CPLs are often used in commercial real estate transactions, but they can also be used in residential transactions. They are designed to provide coverage for a variety of potential risks, including errors or omissions in the title transfer process, mistakes made during the closing process, and the misappropriation of funds. According to the American Land Title Association, CPLs are one of the most effective ways to protect both parties in a real estate transaction.

Furthermore, CPLs can provide additional legal protection for both the buyer and the seller. For instance, if a title defect is discovered after the closing that would have caused a loss of value for either party, the CPL can provide coverage for the cost of repairs or other remedies. Additionally, the CPL can be

When CPL is Not Needed

A Closing Protection Letter (CPL) in real estate is a document issued by a title insurance company to a lender or buyer. It is intended to protect the closing party against any losses resulting from errors or omissions of the title insurance company. It also serves as assurance that the title insurance company has taken necessary steps to investigate the title and is willing to cover any title defects that may exist. According to the American Land Title Association, CPLs are used to protect lenders and buyers in real estate transactions involving real estate located in the US.

In some cases, a CPL is not needed. For example, a CPL is not necessary when a buyer and seller are exchanging cash for title in the same county. Additionally, a CPL is not needed when a title is being transferred from a surviving joint tenant to the other joint tenant. Finally, a CPL is also not required for transactions involving transfers of residential properties where the titleholders are married and living in the same state.

In summary, a Closing Protection Letter (CPL) is a document issued by a title insurance company to a lender or buyer. It helps protect the closing party against any losses due to errors or omissions of the title insurance company. The American Land Title Association states that CPLs are used to protect lenders and buyers in real estate transactions. However, CPLs are not necessary in certain situations such as cash transactions, title transfers from surviving joint tenants to other joint tenants, and transfers of residential properties where the titleholders are married and living in the same state

Cost of CPL

A closing protection letter (CPL) is a type of insurance that real estate professionals use to protect their clients in the event of financial or title fraud at the closing of a real estate transaction. It provides a guarantee of up to $25,000 to both the buyer and the seller if there is an unresolved issue with title transfer and/or escrow funds. CPLs are issued by title insurance companies and are available for purchase for a nominal fee.

The cost of a CPL varies depending on the state, the amount of coverage, and the type of title company issuing the policy. For example, the average cost of a CPL in California is around $20 per policy, while in North Carolina the cost is around $35. Additionally, when buying a CPL from an independent title company, the cost may increase due to the additional processing fee.

CPLs are a great way for real estate professionals to protect their clients from fraud and title issues. They can provide an added layer of security for both buyers and sellers, so it’s important to consider the cost of a CPL when making a real estate purchase. It’s also important to research the title company and the CPL to make sure the coverage is adequate for the closing.

According to the American Land Title Association, CPLs have become increasingly popular in recent years due to the prevalence of real estate fraud. In fact, an estimated $1.5 billion in fraud and title disputes occur each year. CPLs provide a safe and reliable

a closing protection letter is an important document in real estate transactions. It can protect both buyers and sellers by providing each party with additional security in the transaction. It is important to understand the different types of CPLs, and make sure to have one in place when closing a real estate deal. Knowing the details of a CPL can help you ensure that you are completely protected in the transaction. Ultimately, having a CPL in place can make a real estate transaction go much more smoothly and protect all parties involved. So, when you’re ready to make your next real estate deal, be sure to consider a closing protection letter to help you close your transaction with confidence.

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Create your Europass CV

The Europass CV builder makes it easy to create your CV online. You can use it to apply for a job, education or training opportunities as well as volunteering.

The best-known CV format in Europe

The Europass CV is one of the best-known CV formats in Europe. It is easy-to-use and familiar to employers and education institutions.

You will first have to create your Europass profile with information on your education, training, work experience and skills. After you complete your Europass profile, you can create as many CVs as you want with just a few clicks. Just select which information you want to include, pick your favourite design and Europass will do the rest. 

You can create, store and share CVs in 31 languages . You can download your Europass CV, store it in your Europass Library share it with employers, with  EURES  or other job boards.

How to create a good CV

Remember that your CV is your first opportunity to communicate your skills and experiences to a future employer. It is a snapshot of who you are, your skills, your educational background, work experiences and other achievements.

Present your experience clearly

Highlight examples of your skills and experiences matching the job you are applying for. Pay close attention to the details published in the vacancy notice.

Tailor your CV

Make sure you update the ‘About Me’ section to highlight why you are the best person for the job. Do not include a full detailed history. Focus on facts and main points that match the job you have in mind.

Make it readable

Make sure your CV is easy to read. Use clear and simple language.  Use strong verbs (e.g. ‘managed’, ‘developed’, ‘increased’).

Use reverse chronological order

Always list the most recent experience on the top followed by previous ones. In case of long gaps in working or learning, include an explanation.

Polish and fine-tune

Check for spelling and grammar mistakes, provide a professional e-mail address, and add a professional photograph of yourself.

Your Europass profile

Your Europass profile is the place to keep a record of all your skills, qualifications and experiences. If you keep your Europass profile up-to-date then you will always have all the information you need to create tailored CVs and job applications quickly.

Good luck with your applications!

Find support through EU services

Eures the european job mobility portal, working abroad in other eu countries, education and training in other eu countries, you may be interested to read.

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