Posted by The Policy Settlement Alliance on Fri, Aug 13, 2010 @ 04:30 PM
By Timothy A McQueen
Life settlement buyers are the party in the life settlement transaction who are purchasing the policy. Life insurance policies are purchased as investments. But why would an investor choose to be a life settlement buyer and invest in the settlement market?
Investors are always looking for new ways to diversify their investments. Part of that is because like you, when you invest your money, you don’t want it all in one place. But for large, high dollar investors, it is also necessary to continually evaluate different markets and determine where there is a need. Today there is a need for life settlement buyers or investors and their funds in the settlement market. This is because as predicted for many years, there are an increased number of seniors. It is estimated that half of seniors with life insurance policies qualify for a life settlement. When you have a market with a large number of life settlement sellers, it draws the attention of life settlement buyers. These buyers /investors are providing the needed funds to the life settlement market and are getting a return on their investment at the same time.
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 Alice Hood on Mon, Jun 28, 2010 @ 09:46 PM
By
Stephen P Turtur
Life settlement buyers
or funders are in the market place with specific goals. Life settlement buyers have criteria that is usually derived from their investment risk levels that are "policy" within their own structured agreements. Compiling dollars together from different investor groups or creating a huge fund to invest in life insurance policy purchases, life settlement buyers create their own guidelines of investment. Some are age specific or life expectancy particular in what they will allow for purchase. There are other types of life settlement buyers that create actuarial assumptions within their portfolio as to probability that sickness will occur from a particular age of an insured and they buy groups of age related policies. Life settlement buyers also have been known to be categorized according to current cost per 1000 strategies relating to life insurance above cash value criteria. So how would you know where to begin? I have a nice answer! Hire someone who knows how to approach your particular situation to the market and you will save time. A licensed agent/broker that can advise you in these areas but more importantly help you compile the required documentation to achieve success-this is good advice.
If you agree please click on
livepdq
Posted by Alice Hood on Mon, Jun 28, 2010 @ 08:27 PM
By Phillip J. Powell
Life settlement buyers
can be an individual or a company. There are two specific types of life settlement buyers, there is the management buyer and the end buyer. The life settlement buyer that acts in the management role is responsible for buying policies that fit a specific demographic for the end buyer. The management buyer has specific guidelines they follow to purchase policies in blocks to sell to the end buyer.
The management buyer is licensed in all states and follows different guidelines for end buyers. The management buyer once the policy is sold still has a responsibility to service the policies for the end buyer. The management company is responsible for relaying any information regarding the insureds health condition or reporting their demise.
Life settlement buyers have an end buyer that can be an individual or a company that purchases the policies in bulk of people of certain ages, life expectancies and premium costs. The end buyer understands the risk associated with purchasing policies with out a fixed date of redemption. The premiums are the responsibility of the end purchaser and they also own the insurability of the policy holder for the policy amount.
Life settlement buyers also understand the demand for their services from a policy holder for the living benefit of the policy. A policy holder has a need for cash for medical services, living expenses and for many other sale their seasoned policies.
For more information please click on the livePDQ.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 08:19 PM
By: Stephen R. Bathon, CLU, ChFC, AEP
Life settlement buyers
can range from a small group of wealthy investors to billion dollar hedge funds. It is very important, regardless of whom the life-settlement-buyers are, that they be well financed and that they purchase a large enough numbers of contracts to diversify their risk.
Consider the consequences of a life settlement buyer group with a small number of contracts, when one individual insured lives way beyond his life expectancy. As the person gets older and older the minimum premium necessary to keep the contract in force will get larger and larger. On a multi-million dollars contract, the premium can soon get into the hundreds of thousands of dollars, using up all the investors funds before the insured dies. Without funds their other contracts will fail and the entire group will go under.
Because life insurance contracts are not real estate or equity based they are considered a non-correlating investment. In other words, they offer the investor a different financial opportunity where the return is not based on the stock or real estate market.
Today, a variety of investor groups, pension funds, banks and hedge funds are in the market of purchasing insurance contracts. Click the live LIVEPDQ button to see if a life settlement is right for you.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 07:14 PM
By Marlin-E-Leisher
Life settlement buyers
are actually investors. They purchase existing life insurance policies from you for a lump sum and continue to pay the premiums. The “big payoff” for the life settlement buyer comes when you die and they cash in on the death benefit.
The first goal of the life settlement buyer is to buy a life settlement policy of someone who was insured at a good premium rate when the policy was purchased. The second goal of the life settlement buyer is to purchase a policy of someone who has a short life expectancy. The less the life settlement buyer pays out in premiums the better.
Life settlement buyers aren’t just cashing in on your death. They help provide a unique opportunity for you to sell your life insurance policy for cash you can use now. With life expectancy rising and elder care in more demand; the need to cash in on a life insurance policy while living is becoming more and more prevalent. When you sell your existing policy for needed cash now and the investment pays off for the life settlement buyer later, you both win!
Click on the LivePDQ button to see if you qualify for a life settlement.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 07:13 PM
By Stephen A. Bailey
I have had those interested in life settlement; ask me who the life settlement buyers
are. "Are the buyers interested in bumping me off to get the death benefit?" Yes, the client said he was kidding but I could see some concern in his eyes. All kidding aside.
The life settlement buyers are often actually life settlement companies or referred to as life settlement providers. They generally are "institutions" and they will hold the policies until maturity. Yes, they can wait for the natural cause of or demise, for the net death benefit.....or resale the policies.
Other than in the movies I have never heard a case among hundreds of thousands, where a policy was sold then the seller met an early demise. This is a real business like anything else and the life settlement buyers are "investing" in a real asset, like any real asset, to eventually make a profit. But they don't invest in just one policy.
Your policy is one of a thousand or more, in a pool of similar policies just like yours. The life settlement buyer is acquiring a financial interest in your policy and agrees to pay the premiums for as long as you live. Click on the LivePDQ button to see if we can match you policy with a life settlement buyers interest in policies just like yours.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Fri, Jun 25, 2010 @ 04:29 PM
By Marlin E Leisher
Life settlement buyers
are chameleon like, I say chameleon because no one really knows where their policy ends up, after the initial purchase of the policy from the licensing managing company
In most cases the policy will change ownership or the term that the life settlement buyers would call it “being flipped”, until it in most cases end up in a larger portfolio, such as Bank, AIG and many other companies that most would never suspect would be involved in this market.
Life settlement buyers may perform the initial purchase of the policy, but they walk a very fine line to comply with the next down line purchaser so as not to get stuck with the policy that would limit their cash flow and may preclude them from purchasing other attractive polices.
Click the Livepdq button to see if a life settlement is right for you.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Fri, Jun 25, 2010 @ 04:28 PM
By Amie M Wirth
Just who are the life settlement buyers? Life settlement buyers are generally institutional funders that set aside a certain amount of money to purchase life insurance policies from insured’s that fit predetermined criteria. They are professional institutions that are looking of new and innovative ways to maximize the return on their money.
Life settlement buyers purchase the policies because they understand that when they spread their risk over multiple policies they are likely to yield a high return.
There is a lot of misinformation regarding life settlement buyers that has been put forth in the press by insurance companies to discourage their policy owners from looking into the possibility of doing a life settlement.
A majority of the states require a life settlement buyer to be licensed by the state and adhere to strict laws and regulation. Texas, for instance, requires all life settlement buyers that are licensed in their state to report all policies that are purchased by the life settlement buyer on a yearly basis.
Using a reputable life settlement agent will help insure that your life settlement is purchased by a licensed life settlement purchaser. Contact us today by clicking the Live PDQ button to see if a life settlement is right for you.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Fri, Jun 25, 2010 @ 02:49 PM
By Rick S Cantville
The purpose of life settlement buyers
in today's marketplace is to provide funds necessary to purchase, at fair market value, life insurance policies that have been placed for sale. This is normally accomplished by reviewing the insureds life expectancy and policy values.
To determine how much a policy is worth, life settlement buyers must take a number of things into account. Since life insurance buyers will only purchase permanent life insurance policies, (or converted term policies) there are an infinite number of product designs, which is to say life insurance policies are like snowflakes, no two are the same. The policy values, interest rates, costs of insurance etc, all differ between products and life insurance carriers.
In addition to policy values, life settlement buyers must consider the insureds life expectancy. The medical history of the insured will be reviewed by a life expectancy evaluation company and will give an approximation of how long the client will live. Based on this information and the policy values, the life settlement buyers can provide an offer for a policy.
To get started, visit LivePDQ for your personalized policy evaluation.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Fri, Jun 25, 2010 @ 02:46 PM
By Rick S Cantville
Life settlement buyers in today's market must be aware of many changes that will affect a life settlement. One of the most important recent trends is the compensation disclosure requirements.
In the past, life settlement buyes, brokers or agents were not required to disclose the amount of commission that was made on the sale of a life insurance policy. This practice was not in the benefit of the client, since the agents and brokers often made more in commission than the client did.
The trend today, either mandated by state law or by policy of the life settlement buyer, is for full disclosure of commissions. These life settlement funders have established guidelines as to how much brokers and agents are allowed to make and also will be disclosed to the client before the sale is completed.
Clients today that are considering a life settlement should work with agents and brokers and life settlement buyers that will disclose the amount of commissions that are being made. For more information on the sale of your life insurance policy, please visit LivePDQ.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.