Posted by The Policy Settlement Alliance on Fri, Aug 13, 2010 @ 05:12 PM
By Ronald E Ritter
A life settlement investment is one of the most creative financial planning tools in a spectrum of financial opportunities for seniors. Basically, a life insurance settlement is the process of purchasing life insurance policies from seniors that are determined by their owners to be obsolete for their purposes.
What is the reason for life insurance? Most of us purchase life insurance to cover our financial responsibilities. They could be anything from protecting our loved ones, to collateralizing business loans or home mortgages, to tax sheltering long term returns and payouts. Whatever the reason, at some point we realize that these life situations have somehow taken care of themselves, or they have learned to take care of themselves or have disappeared completely.
That is where a life settlement investment has become a favorite for seniors. We have raised our children (at considerable expense), sold our businesses, paid off our houses or we are just plain and tired of making those large premium payments. The great thing is we have options! The best thing is the money we recover from a life settlement investment is ours to do with as we please.
A life settlement investment is a complex financial tool and not to be entered into uneducated or without the advice of a professional life insurance specialist. Do all seniors qualify for life settlement investments? Actually it is highly possible, do they first own life insurance? Do they have a change in health since they purchased the life insurance policy? What are the moving pieces of these life insurance policy? Yes there are many pieces of the pie so to speak and many different pies.
To find out if your life insurance policy qualifies to cash out on a life settlement investment click on the link LIVEpdq today….find out what your options are!
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 @ 08:08 PM
Life settlement investment
is most related to the end funder. The end funder can be an individual or a company. Most large funders have a portfolio of life settlements that have a diverse amount of policies. Many of these policies have different rates of returns and life expectancies.
I have a history in real estate loans, the portfolios of real estate loans and life settlements are quiet similar. Real state loans that are owned by the end purchaser historically have a diverse amount of loans in the actual portfolio, from low and high to medium and moderate loans this makes the portfolio very diverse.
A life settlement investment resembles the same format. There are some high and medium to moderate and low risk investments. Diversity is the name of the game because a lot of policy holders sometimes out live their life expectancies and this always needs to be taken into consideration.
A life settlement investment takes into consideration the life expectancy of the insured, internal rate of return and the amount of premiums of the policies. These things all have to work together in order for the investment to be a success. Life settlement investment seems like a no brainer because it seems like it's not a matter of if the insured will die but when.
For more information please go to
LIVEpdq.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 07:56 PM
By Stephen P Turtur
Life settlement investment
has become a major sector of the investment field. Due to the structures in place today there is a net present value that can be assigned to a life insurance policy. In many instances this value far exceeds the net surrender value of a policy. The death benefit is the interest "at hand". Life settlement investment from funders that are in the business to buy life insurance policies is an ever growing mechanism in the estate planning field as well. In changing times the needs verses cost of life insurance policies, likewise is now something to consider given that selling a life insurance policy is possible. As with any investment the cost and duration for investment must be measured against the need. Life settlement investment is a field of funds that continues to serve this purpose. If you have an insurance policy that you may no longer feel you need and the objective at hand is to surrender it, I strongly suggest that you obtain offers for this policy from funders in this business, prior to simply surrendering the policy. I have found in cases involving an insured over 70, that the values are surprisingly well above surrender value.
Get started and click on 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 @ 03:17 PM
By: Joseph W. Horner
Life Settlement Investment
is the buying of the beneficial interest of a life insurance policy or policies and getting a turn on your investment upon the death of the insured(s). With the turmoil in the financial markets, the housing mess and the ever fluctuating price of oil people are looking for investments that will not be affected by these things and a Life Settlement Investment could be the answer.
Not long ago Life Settlement Investment typically was done by all institutional investors such as banks, brokerage houses and hedge funds but in recent years individual investors have been able to get involved because of the development of life settlement funds. These are funds that invest in life settlement policies.
All of the funds have their own criteria for the policies they purchase (age of the insured, life expectancy range, rating of the insurance carrier, type of policy, etc…) as well as the minimum amount that can be invested, and like an investment you should do your research accordingly before investing.
Click on the LIVEpdq link now for more information
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 @ 03:17 PM
By: Joseph W. Horner
Life Settlement Investment
like any other investment can’t guarantee that you will make a return on your money. But what a Life Settlement Investment can give you is an asset that is not affected by the fluctuations of the stock markets (here or overseas), the European debt crisis, the oil spill in the Gulf of Mexico etc…
A Life Settlement Investment is typically made by investing in a fund that buys life settlement policies. You will then get a beneficial interest in a policy or policies that the fund purchases. It is a long term investment as know one knows when the insured of a purchased policy will pass away, and it is only at the death of the insured of a policy in which you hold an interest that will see a return on your investment.
Each fund has their own criteria to determine the policies it purchases. The criteria for this typically takes into account the age of the insured(s), insured’s life expectancies, type of policy, insurance carrier rating and ongoing premium cost. Each fund also has their own minimum investment requirements. Depending on the amount you invest will determine whether your investment is used toward a purchase of a single policy or spread among several policies.
Like with any investment diversification is key so a fund that will spread your Life Settlement Investment among several policies (typically your beneficial interest in each policy will be smaller) will give you a greater chance of seeing a return sooner.
As mentioned above a Life Settlement Investment can’t guarantee you a return and it is a long term investment but many of the funds claim that over a 12-15 year period the Life Settlement Investment marketplace provides returns in the 12% range. As with any investment you should do your research first to make sure it is a suitable investment for you.
To learn more about Life Settlement Investing 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 Fri, Jun 25, 2010 @ 02:45 PM
By Rick S Cantville
What makes a life settlement investment a good investment? Let's look at it from view of the person writing the check for the investment.
Hypothetically speaking, lets imagine that you are investing in XYZ company because you liked the widgets they make. When you are writing the check for the investment, what are the three things you want to know? First, how much does the investment cost, second, when do I get my money back and third, what is the return on my investment? These important questions that must be answered to the investors satisfaction before the check is written.
Institutional funders that provide money for a life settlement investment ask the same questions when reviewing your policy. How much does the policy cost and how long do I have to pay before I get my money back? This is a key question, and can only be answered by obtaining accurate inforce illustrations on the policy to determine cost and also obtaining a life expectancy report on the insured. This information will determine if the policy is a good life settlement investment.
This is just a short illustration to get clients that are considering a life settlement to think about how funders view a policy that is for sale. Of course life settlement funders have other criteria for purchasing policies that they must consider, but these are some of the key elements.
For more information on how much your policy is worth, click on LivePDQ!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.