Posted by The Policy Settlement Alliance on Fri, Aug 13, 2010 @ 05:14 PM
By Ronald E Ritter
A life settlement investor is usually an institutional investment firm, a hedge fund, or perhaps a life insurance company. Seniors are currently cashing in their unwanted and unnecessary life insurance policies to the tune of $7 million dollars per day!
How do seniors benefit from the life settlement investor? They sell their life insurance policy to the investor for a premium. Sometimes they are able to acquire another less expensive policy that is more appropriate for their current needs, with no premium payments. Sometimes they will just take the money and use it to enhance their life. Sometimes they will get both.
The main thing a life settlement investor can bring to a senior is the opportunity to have options in an investment that they never expected to yield the returns that are possible. It is a win, win situation! The investor leverages the paper as collateral, receives a reasonable return and utilizes the paper in a variety of ways. The senior gets to do whatever they want to with the money they receive!
The process between the investor and the owner of the life insurance policy is best separated and processed with the aid of a life insurance specialist that is well versed in these transactions. They are complex and require a process more complex that the purchase of a house with more variables.
To discover if there is a financial opportunity with your life insurance policy click on LIVEpdq now!
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 @ 01:05 PM
By John W Thompson
A life settlement investor
is typically a hedge fund or a bank that is looking to diversify their assets. Due to the recent changes in the life settlement industry there was hope by many life insurance carriers that the life settlement industry would dry up and go away.
Goldman Sachs was a life settlement investor that has removed themselves from not only the life settlement arena but also try and give the impression that it was not their failure to understand the industry, but the demise of the industry that caused their leave. On the contrary we have seen a steady increase in the funds available from the life settlement investor arena.
The life settlement investors can help individuals who are 70 years or older with life insurance policies that are $250,000 or greater. There a life settlement investor that will purchase life insurance policies on clients that are younger than 70 but they must have significant health issues. There are also some that will purchase policies under that dollar amount.
There are also life settlement investors who help those that are significantly younger than 70 but they must have less than 24 months to live. This type of settlement is known as a viatical settlement. Not all life settlement investors deal with these type of settlements, but because our group has been involved in the life settlement area for so long we have the contacts to get this type of sale complete.
Click our Livepdq link so that we can find the best life settlement investor for your policy.
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 @ 12:57 PM
By David M Epstein
I was recently asked by one of my clients to investigate the value of her policy if she sold it to a life settlement investor. Before we started our research into the value of her policy, I wanted to know the reason(s) why she no longer wanted to keep this policy and felt the need to sell it to a life settlement investor. She originally had purchased the policy to protect her business and since she had sold the business it was no longer needed. So with that knowledge I felt comfortable we could move forward and I contacted a highly regarded life settlement broker and they requested my client’s medical records. After my client had signed the broker's HIPAA release form we learned approximately 6 weeks later the highest value or percentage of the face value of the policy she would receive if she sold it to this one large institution that was interested in purchasing the policy. My client was very pleased that she was going to receive $150,000 or 15% of the face value of her $1 million dollar Universal Life policy which she had less than $20,000 of cash surrender value in the policy. She felt this life settlement was like pennies from heaven, and has given her extra peace of mind since her stock portfolio is down.
For more information on a life settlement investor 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 Tue, Jun 29, 2010 @ 12:45 PM
By David M Epstein
I was recently asked by one of my clients to investigate the value of her policy if she sold it to a life settlement investor. Before we started our research into the value of her policy, I wanted to know the reason(s) why she no longer wanted to keep this policy and felt the need to sell it to a life settlement investor. She originally had purchased the policy to protect her business and since she had sold the business it was no longer needed. So with that knowledge I felt comfortable we could move forward and I contacted a highly regarded life settlement broker and they requested my client’s medical records. After my client had signed the broker's HIPAA release form we learned approximately 6 weeks later the highest value or percentage of the face value of the policy she would receive if she sold it to this one large institution that was interested in purchasing the policy. My client was very pleased that she was going to receive $150,000 or 15% of the face value of her $1 million dollar Universal Life policy which she had less than $20,000 of cash surrender value in the policy. She felt this life settlement was like pennies from heaven, and has given her extra peace of mind since her stock portfolio is down.
For more information on a life settlement investor 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 @ 09:01 PM
By Stephen A. Bailey
Life settlement investor
- is it for you? Many insureds think that some life settlement investor is going to buy their policy specifically. There have been transactions like that, and sometimes even the insured himself had the option of being the investor for his own policy. I remember a few years ago, I was approached by a couple of "agents" who told me I could take some of my clients, in the right age, with large life insurance policies, and bring them to a broker that had contacts to investors, who would buy their policy. The client had to wait two years before selling the policy and he had first right of refusal, and could at that time buy the policy. If he died before the two years, his family would get the majority of the death benefit and if he lived, he could sell the policy and make a profit.
It's a little different now. You would not be a life settlement investor in a policy that you really know about. Yes, those kinds of transactions do occur occasionally but more often it is now a pool that you invest in rather than one specific individual. As a life settlement investor, you are much better off getting a reasonable return on your money with the pool, than waiting for one specific client to die.
Many of the parts are still there, but generally the experience of the pool is where the investment really lies and getting 12% to 13% on your money is still not too far off for an investor. The real difference is that the true investors are the large institutional houses that review each case and the investor is the one who invests with the institution rather than on any individual.
Click here Live Pdq 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 @ 09:00 PM
A
life settlement investor
is simply investing from the standard point of a portfolio. Any person or any entity that takes on funds and must adhere to their clients and have a prospectus that shows investments at the present point and there assumed return.. The investments must be diversified, the pie itself will be literally on life expectancies.
A life settlement investor will seek out policies with life expectancies that are between four and six years mostly because these policies will be kept inforce for a shorter period of time resulting in a lower cost to the investor. The longer life expectancies, not only cost more, but they are also riskier.
A life settlement investor can be an individual or s company. There are a lot of things that have to be considered to get to the end result of a funded policy. With the medical industry making so many strides to keep people that are terminally ill living longer, this is causing life settlement investors a lot of misery regarding policies that they will potentially purchase.
For more information please go to
LivePDQ.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 08:58 PM
by
Stephen P Turtur
A
life settlement investor
is usually a person or entity that has placed money into a "Pooled" fund that purchases high volumes of life insurance policies. This market has grown tremendously over the last 10 years due to the demand for this type of asset. Selling your life insurance is now a great option if you are not sure that you need parts or all of your existing coverage. A life settlement investor has put money into a fund that has a specific criteria to purchase life insurance policies. These criteria probably match their objectives for investment. For example a particular fund or funder may only purchase policies on people that are 74 years old or higher with a life expectancy of less than 8 years. The investor would likely have this objective for investment duration if they participated in this fund. Many funds exist today as there are different risk elements that are true when purchasing policies. The consumer in this exercise is the fund buying the policy and if they purchase policies on younger age brackets, their investment duration is different verses the fund mentioned above. A life settlement investor or his objective is of little concern to a person trying to sell his policy if an agent/advisor is hired. This is true as he or she should know where to shop the particular policy and to which types of funders. Do not waste time trying to do this on your own as when you realize the amount of information and the form it must be in, you will realize why I have recommended an advisor.
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 @ 07:15 PM
By Stephen A. Bailey
Life settlement investor - As an investor, is it safe and stable? Everyone on earth right now - all 6 billion of us, for all essential purposes, will not be here 100 years from now (if you are over say 20 years old, since we are all living longer). I know, that sounds perfectly maudlin and a hideous thought...but it's true. So...like a golf ball, we all will be replaced. What that means is, while you are here and for now have a long life in front of you, you will need to put money in safe investments to maintain your style of living. What could be better than knowing that those humans that are end stage, many have life insurance policies that will be paying a tax-free benefit to someone.
This is not a Ponzi Scheme and you certainly would want to be a life settlement investor in an approved fund and one of the best ways to do that is contact a policy settlement company, one that facilitates an insureds policy and prepares that insured's life insurance policy for settlement. These agencies will be able to recommend several ways to invest and help you do it safely.
The funds that are set up, regardless of how they are set up, that is geographical, male, within certain ages, with certain health issues and so on, they all are required to provide information on the lives that make up the index and thereby supplying the associated risks inherent being a life settlement investor to the fund. Some of these funds can have, anonymously, lives that can number 40,000 to 50,000 lives. The market is constantly evolving and positive changes will be coming regarding funds and choices for a life settlement investor in settlements.
For more information, click 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 @ 03:30 PM
By: Joseph W. Horner
A Life Settlement Investor
is a person or entity that invests money in the life settlement marketplace to acquire polices. While in the early days of the settlement industry there were very few institutional players and most of the monies came from private investors (creating the fear that Tony Soprano would own your policy), this has changed dramatically over the last 8-10 years.
Nowadays a Life Settlement Investor is typically a major bank, brokerage house, hedge fund or pension fund. The reason for this is because all of these entities are looking for what is called a non-correlated asset. Meaning it is not tied to the stock market or interest rates and won’t be affected by the dramatic swings that can take place with them. They also won’t be affected by the events happening overseas (think European debt crisis). In other words a firm participating in the life settlement market as a Life Settlement Investor is looking for asset diversification.
Private investors can still be a Life Settlement Investor but in today’s market they are doing so be investing in a life settlement fund which is a fund that buys life settlement policies. The funds have strict guidelines as to the information that is shared with the investor regarding the policies that are purchased and is usually limited to the name of the person the death benefit of the policy, the insurance carrier. All funds are different and you should check with them to be 100% sure of what information they do share if you are thinking of selling your policy to a fund.
To learn more about Life Settlement Investor 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 @ 12:59 PM
By Amie M Wirth
What is a life settlement investor? A life settlement investor is usually institutional funders. These groups give life settlement funders a set amount of money with specific parameters that they want followed for the purchasing of life insurance policies by the funder.
Many people have heard the commercials by some insurance companies trying to scare them about who the life settlement investor might be and who will own the policy on their life. It is important to understand that the when doing a life settlement the life insurance policy becomes a number to the life settlement investor. This is because they generally have the fund manage the polices that their money purchased and the person information regarding the insured is governed by strict federal HIPAA laws.
Having a life settlement investor purchase your policy is not as risky as life insurance carriers would have you believe. Click on the Livepdq link to see if we can help you with your life insurance policy.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.