Posted by The Policy Settlement Alliance on Mon, Aug 30, 2010 @ 01:43 PM
By Edward E Leisher
Do you know who will buy life settlements? Who is the person, or entity, that will become the new owner of your life insurance policy? Most likely, large financial institutions and hedge funds are the ones to buy life settlements. In turn, these entities sell a portion of the policies interest to investors. Once the insured dies, the insurance company pays out the death benefit to the new owner.
It is important to know and understand that once you sell your life insurance policy to the company who will buy life settlements in a life settlement transaction, you no longer have any legal control over what happens to the policy. It can be re-sold, or the new owner can surrender or let the policy lapse.
If you are considering entering into a life insurance settlement transaction, please contact LIVEpdq for more information on the topic!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Mon, Aug 30, 2010 @ 07:26 AM
By Edward E Leisher
When entering into a life insurance settlement transaction, finding the best life settlements information and using it to your advantage will be the difference between a competitive, high value offer and a low ball offer. Knowing what your policy is truly worth by shopping it around to various companies is the best way to ensure your receive full market value for your life insurance policy therefore receiving the best life settlements offer.
The best life settlements are completed when an individual who no longer needs or wants their life insurance policy is able to sell the policy to a third party for a cash lump sum. Then the seller is free to do whatever they see fit with the cash their policy has generated. Oftentimes sellers use the cash to pay off medical bills or supplement retirement funds or even for travel.
If you are considering completing a life insurance settlement transaction contact LIVEpdq today!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Sat, Aug 28, 2010 @ 02:51 PM
By Edward E Leisher
Many individuals are looking into and completing an Arizona life settlement in order to get more money for their policy than the surrender value. An Arizona life settlement is currently allowed for the following types of life insurance policies: key man, group insurance, government issued insurance, survivorship, whole, universal, term and variable life policies.
In 2008, Arizona became one of 20 states to introduce and implement new legislation in order to help regulate the life insurance settlement industry. These new laws included lengthening the age that an individual would be allowed to sell their life insurance policy.
Since the rules and regulations concerning the life settlement industry are constantly evolving and changing you will want to find a knowledgeable producer to work with. There are numerous companies with reputable producers to choose from for an Arizona life settlement. If you are considering completing a life settlement contact in Arizona visit LIVEpdq today!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Fri, Aug 27, 2010 @ 05:19 PM
By Edward E Leisher
An Alabama life settlement is accepted and completed within the same parameters and guidelines as in any other state. A life insurance settlement is when a life insurance policy that is either not needed or wanted anymore is sold to a third party for more than the cash surrender value but less than the death benefit.
An Alabama life settlement is completed for an individual age 65 or older the majority of the time, using term, survivorship, key man (or COLI), group, universal or whole life policies. The owner is the individual selling the policy, who could be an individual, corporation, charity or trust.
An Alabama life settlement can be completed for numerous reasons, whether it be that the premium payments are too expensive, their estate planning needs or finances change. Whatever the reason, a life insurance settlement is certainly a better option than letting your life insurance policy lapse. Contact LIVEpdq to discuss your life settlement options today!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Fri, Aug 27, 2010 @ 05:16 PM
By Edward E Leisher
If you are considering entering into a life insurance settlement transaction then you should ask yourself: are life settlements a good investment for me? What do me and my beneficiaries stand to gain from that sale of my life insurance policy? There are so many reasons people decide to sell their life insurance policies in a life settlement. Oftentimes the want or need for a policy is no longer there, and high premium payments may be an unwanted expense.
Are life settlements a good investment for me? Do I have medical bills or experimental medical treatments not covered by health insurance that I would like to look into? Do I want or need to supplement my retirement funds?
If you are asking yourself, Are life settlements a good investment for me? then you should consider meeting with a financial advisor from LIVEpdq to discuss the opportunity and receive a free policy evaluation.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Mon, Aug 23, 2010 @ 08:33 AM
By Edward E Leisher
The American viatical industry is growing by leaps and bounds – proving to all that it is an industry that is here to stay. Although American viatical sales only make up about 5% of the life settlement industry they are a valid tool for policy owners to access the cash in an investment. Current law allows American viatical sales to be processed as tax free sales, so finding a knowledgeable agent to assist you in completing this complicated financial transaction is important to say the least.
Make sure that your agent is licensed in the state that you plan to do business in. Also, ask for references and follow through with contacting them. References can not only provide feedback on the service of your potential agent, but they can also provide first have knowledge of the life settlement process and what you can expect from it.
If you are interested in learning more about the life settlement market, please visit LIVEpdq!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Sat, Aug 21, 2010 @ 07:38 PM
By Edward E Leisher
The Life Insurance Settlement Association (LISA) has advanced settlements into the booming life insurance settlement market that we see today. LISA has advanced settlements by making the life settlement industry more accessible to individuals that have life insurance policies that they no longer want, that they no longer need or that they can no longer afford.
LISA has also advanced settlements by helping states understand what life settlements are. They have also helped states to understand that the needs and the desires of the consumers should rate over and above the needs and the desires of the insurance companies. LISA has also made education on the topic more readily accessible to both life settlement agents and consumers. By increasing both agent and consumer knowledge on the topic, they have also increased the competitive nature of the market.
If you are interested in learning more about the life settlement market, please visit LIVEpdq!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Fri, Aug 20, 2010 @ 04:32 PM
By Edward E Leisher
A life insurance settlement can be a great asset if you have an unwanted life insurance policy. Rather than surrendering your policy, or even worse letting it lapse, you have the option to sell it for a lump sum in a life insurance settlement transaction. If you aged 70 or over with a policy with a death benefit of $100,000 or more you may be a candidate for a life settlement.
Typically a life settlement is a good option for individuals who don’t have a need or want their existing policy or have premium payments that are too expensive. A lot of people also decide to enter into a life settlement transaction because they have had a change in their financial situation or estate planning needs. No matter what your reason or need for considering entering into a life insurance settlement transaction, LIVEpdq can assist you with your questions and evaluate your policy for free.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Fri, Aug 20, 2010 @ 04:16 PM
By Edward E Leisher
The American life settlement industry can trace its roots directly back to Europe around the 1700 and 1800’s. The American life settlement industry started out as the sale of Whole Life insurance policies to individuals that were looking for safe investment vehicles that were not tied to the stock market. The same reasoning holds true today. However, the greatest numbers of American life settlement policies that are being purchased today are Universal Life Insurance and Term that is convertible to Universal Life.
There are many reasons to sell your life insurance policy in a life settlement transaction. Your premiums might be too high to continue paying, or you may find that you have too much insurance for your estate planning needs. Whatever your reason, a life settlement is a better option than surrendering or letting your policy lapse.
If you are interested in learning more about the life settlement market, please visit LIVEpdq!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Fri, Aug 20, 2010 @ 03:33 PM
By Edward E Leisher
We have the ability to do an advanced life settlement, life settlements that have your needs and desires in mind. If you have a life insurance policy that you are thinking about surrendering to the life insurance carrier or that you are going to let lapse let us help you today. Our advanced life settlement tools and expertise can help you through this complicated financial transaction.
A life settlement can provide peace of mind when finances are tight. You may have found that you are over insured, need access to cash for medical bills, experimental treatments not covered by insurance or want to beef up your retirement fund. Candidates need to be over 70 years of age with a life policy of $100,000 or more.
By working with agents, you can rest assured that the completions of your advanced life settlement is in good hands. For a free policy evaluation and to receive more information click on LIVEpdq.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.