Posted by The Policy Settlement Alliance on Fri, Aug 13, 2010 @ 07:38 AM
By Edward E Leisher
Who is funding life settlement transactions and what do they have to gain from from funding these transactions? If you are an older individual looking for an alternative to surrendering your life insurance policy or letting it lapse, then you may be considering selling that policy in a life settlement transaction. But who is buying your policy, and what do they have to gain from the sale?
Funding life settlement transactions is usually done by an investment firm. Upon completion of the life settlement transaction, the entity funding life settlement transactions becomes the policies new beneficiary. They will then take over the future premium payments as well. By funding life settlements, the seller has access to a new source of cash to use for enhance existing retirement funds, pay off old debts or use to pay additional medical expenses not covered by insurance.
To find out more about life settlements an to receive a free policy evaluation 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 Wed, Aug 11, 2010 @ 09:31 AM
By Donald Sonn
Funding life settlement is simple and easy to understand. There are no loans, no liens and nothing to pay back later. Unlike a reverse mortgage where you get money back from your home, you do not take on risk, such as outliving the asset and you don’t have to pay any upfront fees. Life insurance is a commodity like anything else you own, so why shouldn’t you have the privilege of selling it if you choose to. Funding life settlement with the assistance of a life settlement company with a simple application and the insurance policy funds itself. Unlike other commodities, the older an insurance policy gets, the more it is worth.
The value of your life insurance policy converted into a life settlement is determined on the open market by having several financial institutions bid on the policy. This ensures that you get the maximum dollar amount for your life insurance policy when funding life settlement takes place. It does not matter your current income and you can use the money you get any way you want to. You will have your own life settlement advisor to explain the pluses and minuses and you are encouraged to check with your own financial advisor every step of the way.
Click the LIVEpdq link for a free life settlement estimate and find out with little effort if life settlement policies are something that you should consider for yourself.
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 06, 2010 @ 11:52 AM
By Paul K Arbo
Funding life settlement involves a third party purchaser of a life insurance policy on an insured who no longer needs coverage or who cannot afford to continue paying the required premium to keep coverage in force. The purchaser who will be funding the life settlement will pay a lump sum in excess of the policy's cash value to the seller and they will assume payments of all future premiums in exchange for receiving the death benefit. There are many buyers interested in funding life settlement policies - banks, hedge funds, and even individual investors. What separates the successful buyers from other buyers involved in funding life settlement policies is that they pay top dollar for the life insurance policies they buy and they have excellent finances so they can keep coverage in force until a claim is paid - even if that is many years into the future. To get the most money for a life insurance policy you want to sell it is imperative to find a broker who deals with several high quality buyers with expertise in funding life settlements. To get a free estimate of how much a life insurance policy is worth just complete a brief questionnaire here: 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 Mon, Aug 02, 2010 @ 11:03 PM
By Stephen P Turtur
Funding life settlement is often a searched phrase today as many people are interested in obtaining cash offers for their life insurance policies. The meaning of funding life settlement is the act of a funder providing cash to the owner/insured for the future rights to a life insurance policy. Today a structured settlement process exists whereby individuals or companies that own a life insurance policy that insures a person usually 74 years of age or up, can actually sell the policy without having to wait until death to realize benefits. The process starts with information concerning the in force policy as well as a medical disclosure of the insured regarding medical histories and records. These two important pieces along with in some cases a current medical exam regarding the insured, position the funder to obtain a life expectancy report. If you have a policy that you would like to sell or one where you would at least like to know the value of the policy from a settlement standpoint, then I advise that you hire an agent/advisor to help you compile the correct information for submission to the correct funders. I mentioned this is a structured business that exists today and funding life settlement or the act of obtaining these offers must be done in a correct form. You may be surprised as to how much your policy is worth even though the premiums may be high, as the predominate value determined is regarding the net present value of the death benefit in relation to the cost and life expectancy of the insured. At a minimum find out what your policy is worth that way you can decide if you wish to sell it.
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Posted by The Policy Settlement Alliance on Mon, Aug 02, 2010 @ 11:00 PM
By Stephen A. Bailey
Funding life settlement can often best be done by getting competitive bids. Your life insurance agent, attorney or CPA or friend that turned you on to selling your life insurance policy and steered you to a reputable broker that has completed many cases just like yours, was very important to getting you on the right path towards a reasonable completion of your life settlement. Once you have spoken to your trusted advisor(s), about your intention of selling your policy, at that point you have done what you can and the rest will fall into their hands.
Funding life settlement is done by the providers, once your broker has contacted them with the "details" of your transaction. The life settlement opportunities are exploding now in 2010 and coming in 2011 as investors realize what a stable and lucrative investment it actually is. As more and more seniors have life changing events where their life insurance policies do not fit the intended needs of income replacement or paying estate taxes and they now need the opportunity to sell their policies for additional income, investors needing safe investments in this economy are now seeing the full potential of the secondary market as reliable and steady.
Funding life settlement through institutional pools provides a large base of policies and therefore insureds, of which the basis of those insureds when they sold their policies, had a life expectancy of about 12 years and many of then in the pool are now passing on and providing steady returns for the investors. This is a practical business, it is not a business of "death" but merely economics and actuarial timing. We are all finite beings and some of us will live to 80 and some to 100, but it all evens out and everyone can win. For more information on funding life settlement please click 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 Mon, Aug 02, 2010 @ 10:55 PM
By Timothy A McQueen
The investors funding life settlement policies count on the provider to evaluate the insured’s policy, medical records, and life expectancy reports to determine if purchasing the policy is a good investment. There are set guidelines that each investor and provider is looking for at any given point in time called parameters. Parameters include the minimum and maximum face amount to be considered, a target percentage already paid into the policy, and the insured’s life expectancy.
Click the LIVEpdq link for a free life settlement evaluation 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, Jul 31, 2010 @ 10:55 AM
By Michael P. Perog
Funding life settlement is generally completed by huge multinational banks that are making offers on your universal life insurance policy when you are over age 70 as a United States citizen. These institutions that fund your policy premium payments until maturity are generally hedge funds, large banks, pension funds and the like.
We have relationships with dozens of organizations that are funding life settlement and have been successfully completing life settlements as brokers for over 10 years. Our track record has been helping families turn a life insurance policy that is an illiquid asset into a lump some of cash. We have performed and delivered many millions of dollars to families all over America.
We would like to earn your trust and your business. We are all about performing and getting you bottom line cash results. Please click on LIVEpdq now so we can help you value your policy now and see if funding life settlement works for you.
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, Jul 30, 2010 @ 04:09 PM
By Ronald E. Ritter
When it comes to funding life settlement in current times the funders are largely institutional funders and hedge funds. It has proven to be a solid viable guaranteed return. Time being the major concern when it comes to funding life settlements, there are of course many influencing factors that make an individual life settlement more viable than others.
The funders in the life settlement industry look to funding life settlement, which includes analyzing, purchasing and maintaining these life insurance policies, and to receive a reasonable return for their investment. Reasonable return varies from funder to funder and often times even the timing within the fund plays a crucial part. In other words if two people see the same accident you get two different opinions of what happened. Life settlement companies are often at two different offers for the same reason.
They compete against each other often and sometimes one will offer a considerable different amount depending on their parameters and the market timing. Some of the companies are foreign so even the exchange rate can come into play. There are so many moving parts it’s amazing that the funding life settlement even occurs.
To see if your policy qualifies go to 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 Thu, Jul 29, 2010 @ 10:13 AM
By Ronald C. Kerstetter
Funding life settlement, that’s the goal. When you decide to settle a life insurance policy the goal is to walk away with more cash and/or benefits than you had by retaining ownership of the policy. We look to a variety of sources for funding life settlements. The companies and investors funding life settlements range from insurance companies to private investor groups to pension plans.
How long it takes before the funding life settlement event takes place, is a question I hear often from my clients. It will depend on several factors, your medical history and cooperation of you medical providers. Your prescription history and the ability to get up to date medical history is something you can help with by cooperating with your settlement broker. This information is reviewed by medical professionals and actuaries in order to make an offer. After the offer is made by the company funding life settlement begins.
To learn more about a life settlement, please check out the 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 Thu, Jul 29, 2010 @ 09:26 AM
By Stephen R. Bathon, CLU, ChFC, AEP
Who is funding life settlement now that the market has changed? Actually it looks like everyone is slowly coming back into the market.
Two years ago the life settlement industry got hit with the perfect storm, money got tight, people lost confidence and longevity estimates went through the roof. Money for funding life settlement disappeared.
Tight money was a function of the recession. The people who had money were afraid to commit it. Banks borrowed from the government for zero interest and were happy to get 140 basis points from the same government’s T-bills.
Agents lost clients when they could not deliver as promised on the sale of their contracts. People left the industry as fast at they came in and many were badly burned. Confidence in settlement brokers was at an all-time low.
To compound the problem, the companies who provided the longevity estimates (LEs) on which the funders based their pricing, doubled their estimates on how long people were going to live. Suddenly everyone was living to a hundred.
After two years of dismal sales the pent-up demand is starting to get the market moving again. To learn more about the future of funding life settlement, please click the LIVEpdq.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.