Posted by The Policy Settlement Alliance on Fri, Aug 13, 2010 @ 10:11 AM
By Michael H. Wilner
The life settlement institute is an association dedicated to increasing knowledge and awareness for financial advisors as well as policy owners regarding the life settlement industry. The institute has been the leader in promoting strong regulation and promoting laws to prevent fraud and dishonest life settlement transactions.
A life settlement may offer a senior citizen a better alternative than allowing an unneeded life insurance policy to lapse or be surrendered for the cash value. The life settlement institute is dedicated to making sure the transactions are handled with honesty and transparency.
In a survey of life insurance policies purchased by life settlement institute providers the average net amount paid to policy owners ranged from 7 to 12 times the cash surrender value of the policy. Many times the cash surrender value was 0 so the policy owner was able to sell a policy that would have otherwise lapsed worthless.
To find out more about the life settlement industry and help tailoring a plan for your individual life insurance policy please visit LIVEpdq today.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Tue, Jun 29, 2010 @ 12:43 PM
By John W Thompson
The Life Settlement Institute
is a trade association that is made up of leading life settlement providers as well as one of the leading life expectancy companies in the industry.
The goal of the Life Settlement Institute is to bring knowledge and understanding of the life settlement industry to life insurance policy owners as well as those individuals in the field of financial planning.
Although many people do not yet know that a life settlement is an option that can be used instead of surrendering a life insurance policy if the client is over 65 the Life Settlement Institute is trying to get the word out.
The Life Settlement Institute is not just working to make the public aware of the life settlement industry they are also working to dispel the misconceptions about the risks of doing a life settlement as well as to dispel misinformation that is continually being published by those that are opposed to the life settlement industry.
Click our Livepdq
link today so that we can get started answering your questions and working on your life settlement, life insurance and annuity needs.
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 @ 04:55 PM
By Stephen R. Bathon, CLU, ChFC, AEP
The life settlement institute
represents both policy holder interests and the companies that purchase (settle) life insurance contracts. The life settlement institute does not represent the interests of people trying to make a fast buck by offering cash incentives to potential insureds.
Financing the cost of a life contract can be very useful to corporations who have a current insurance need but do not have the liquid assets to pay the premiums. We, as a nation, finance just about everything from cars to education, so why not life insurance.
The problem with premium financing is that it can be a tool for stranger owned life insurance (SOLI) and for that reason it has gotten an undeserved black eye. Most companies, including the life settlement institute, do not subscribe to that practice and avoid companies that do.
One of the greatest challenges to an estate planner is getting money out of a client’s estate without paying gift taxes. Most people today understand the merits of using a trust to accumulate and transfer wealth. The problem arises with the gift associated with moving money into a trust and the taxes that are due on that gift. That’s where premium financing can play a very important role. Money loaned to a trust is not necessarily a gift and can save the trust donor millions in unnecessary gift taxes.
Organizations like the life settlement institute are helping the life settlement industry to police itself and to provide a valuable service to consumers who wish to maximize the value of their life contracts.
For more information on the life settlement institute and premium financing, please click 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 @ 02:45 PM
By Edward E Leisher
The life settlement institute
is a nonprofit organization which promotes knowledge and awareness in the life settlement industry. This corporation provides an education and better understanding to both the professional and client side of the life settlement industry.
For individuals seeking information on how, when and why it is in their best interest to sell their life insurance policy, the life settlement institute focuses on instruction regarding how to get the best available price for their policy in the current market conditions. They conduct research and disperse the resulting information back out into the life settlement market.
The life settlement institute also supports the regulation of the life settlement industry to help grow the industry and encourage more ethical standards. They also encourage new laws on both the State and Federal level that will provide a constructive impact on the life insurance settlement industry.
For more information, please visit 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 @ 02:44 PM
By: Joseph W. Horner
The life settlement institute
is a non profit organization corporation who’s goal is to:
1) Increase awareness and knowledge of life settlements among financial professionals;
2) Educate life insurance owners about the option of life settlements being available to them; 3) Promote institutional financing in the settlement marketplace
4) Support laws and regulations that help prevent fraud and fraudulent activities in life settlement transactions.
The life settlement institute is made up of five member companies, four life settlement providers and one life expectancy provider. Their mission is to help educate financial advisors and insurance agents/brokers about life settlements by acting as a resource for them as well as by promoting the life settlement industry at various industry meetings around the country as well as.
To learn more about life settlement institute click on the LIVEpdq link now.
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 @ 10:10 AM
By Amie M Wirth
The Life Settlement Institute
is a trade association that is made up of four life settlement providers and one life expectancy company. The mission of the Life Settlement Institute is to bring awareness and knowledge of the life settlement industry to financial planning professions and policy owners about the availability of life settlements as an option to regain money spent on a policy over and above the policy surrender value.
The Life Settlement Institute helps the industry by rebutting erroneous articles such as the Bloomberg Article posted on PRN Newswire April 2, 2009. This article stated that there was not a big difference in the value a policy owner can receive from surrendering their policy to the value that they may receive from a life settlement. This simply is not the case and the Life Settlement Institute was able to review the article and rebut it quickly.
There is a lot of misinformation put out about the life settlement industry that the Life Settlement Institute reviews. This is not because it is bad for the consumer, but because the life settlement industry cuts into the profits of the life insurance carriers. The life settlement industry does this by maintaining life insurance policies that would have otherwise been surrendered. This requires the insurance company to pay out the death benefit on the policies that are life settled.
The life settlement institute is here to help all those that may be interested in participating in a life settlement. Click our Livepdq link today so that we can help you with all your life settlement, life insurance and annuity needs.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.