Posted by The Policy Settlement Alliance on Wed, Sep 01, 2010 @ 01:09 PM
By William L. Curry
A life settlement provider is the actual purchaser of a life insurance policy in a life settlement transaction.
A life settlement is a transaction where the owner of a life insurance policy sells the policy to a third party for more than what the insurance company that is providing the insurance is willing to pay him or her for the policy.
It is estimated that over half of the policies insuring lives of people over the age of 70 have a fair market value greater than the policy’s cash surrender value.
It is the life settlement provider that actually writes the check for the purchase of the policy.
Life settlement brokers act as intermediaries between the policy owner and the life settlement provider. The brokers act as middlemen and are compensated for their activities.
It is incumbent upon the financial advisor to determine if the client, policy owner benefits most by working directly with a provider that can provide a customized transaction for the client or is the client better served by a middleman brokering “the deal” to several life settlement providers.
Suffice it to say, each transaction is different and there is no quick and easy answer.
A financial advisor experienced with life settlements should be able to help with this decision. Click the LIVEpdq link to be connected with an experienced financial advisor.
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, Aug 12, 2010 @ 04:29 PM
Stephen R. Bathon CLU, ChFC, AEP
When it comes time to sell your life insurance you will be dealing with a life settlement provider. That’s the individual who will shop your contract with various settlement buyers and try to obtain the highest price. A life settlement provider is also the individual who will gather your medical records and build a file. If he does his job well, there is a greater chance your contract will be sold at the best possible price.
As you might guess, finding the right life settlement provider is an important part of selling your contract. His ability to deal with the people who have the funds will help determine how much the buyer is willing to pay. When you look for a settlement provider, look for someone who has been in the business long enough to have developed strong relationships with the people who control the money. There are, as they say, “favors in hell, if you know the right people”.
We know the right people, click our LIVEpdq and we will introduce them to 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, Aug 06, 2010 @ 11:47 AM
By Michael H. Wilner
A life settlement is the sale of an existing life insurance policy to a life settlement provider. There are many reasons why a policy owner may be in the market to sell an existing life insurance policy. Many times the premiums are no longer affordable or the policies have not performed as originally illustrated. A settlement provider may be able to offer a much higher payout than simply surrendering the policy to the insurance company or allowing a policy to lapse worthless.
In order to know if your policy will qualify for a settlement with a life settlement provider a review of your current policy and a life expectancy evaluation must be completed. The life settlement provider will become the owner and beneficiary of the policy. A life expectancy of 12 years or less is usually required for an offer to be made. Other factors to be considered include the face amount of the policy, premium required to keep policy active and whether the policy is term, whole life etc.
If you would like a free evaluation of your life insurance policy and would like to know what your options are before you cash in an unwanted or underperforming policy please click on the link 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 Fri, Aug 06, 2010 @ 09:18 AM
By Marlin E Leisher
A life settlement provider should be right at your fingertips for those unexpected circumstances and having a knowledgeable life settlement broker puts them there.
We all encounter emergencies that generate a sudden need for cash. Unfortunately there are many life settlement providers whose best interest is not with the policy owner, we have enough industry experience to avoid these providers and only used the best life settlement provider that fits your needs and that adhere to the most stringent. Our goal as a life settlement broker is our commitment to satisfaction and to make good of your investment.
We are here to present the best opportunity for you to obtain a respectable cash return. A life settlement provider eliminates those costly alternatives of increased credit or those dreading of having to seek additional employment. We accept the challenges and look to accommodate at the best interest of our consumers.
All of our professionals are dedicated to ensuring a rewarding return in your investment and impacting a positive influence in your immediate future. We accept the leg work and negotiate with leading agents and attorneys assuring our clients that their life is only now beginning. To be painted a better picture of what your life insurance policy is worth go to or LIVEpdq link for a free policy review.
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, Aug 05, 2010 @ 10:36 PM
By John W Thompson
The life settlement provider that purchases your life insurance policy should be the one that offers that most money for your policy, right?
The Good: The life settlement provider that your broker sends your case to is able to offer close to the same amount as another provider, but cannot get to that number so they are gracious and bow out of the bidding process.
The Bad: Unfortunately not there is a life settlement provider or two out there that does not believe that, and they try and bully life settlement brokers into accepting their offer with threat of no longer working with them if they do not.
We have been faced with both the good and the bad of life settlement providers and have chosen to cut ties with any provider that would try and have us take an offer that is not in the client's best interests.
To have your life insurance policy reviewed click our LIVEpdq link today for a free policy evaluation and know that we will do what is in your best interest and not the providers.
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 @ 11:42 AM
By: Richard S. Bernstein
A life settlement provider is the purchaser of a life settlement transaction and is responsible for paying the policy owner or “the seller” a sum of cash, which is greater than the policy's cash surrender value.
The cash surrender value is the amount of money a policyholder gets from the life insurance company if he or she ends a life insurance policy before it matures or the person dies.
A life settlement provider funds the transactions and holds the assets of the seller. They are extremely experienced in the analysis of the policies. In order to work in various states, a life settlement provider must comply with many regulations to be able to purchase policies.
Once the policy is purchased, the life settlement provider will either hold onto the policy for their own books or repackage the policy as a block to resell to other financial institutions.
To learn more about a life settlement please click the LIVEpdq that will help take you through the process.
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 @ 07:48 AM
A
life settlement provider is a funder, basically an individual or a company that purchases life settlement policies in bulk and sells them to the end purchaser. A life settlement provider is very similar to a wholesale real estate broker that basically collects many smaller deals from brokers and bundles them up and sells them all to an end funder at a premium.
The difference between a life settlement provider and a real estate loan wholesaler is that when the loans are bundled and sold to the end purchaser the real estate wholesalers work is done. The life settlement providers work just begins, they are responsible for servicing the polices and keeping track of the policyholder until they die.
Life settlement providers typically have guidelines of the type of policies they purchase. There are usually some short term, medium to moderate, and long term policies that make up the bundle of policies that are being sold and serviced.. These policies resemble a diverse stock portfolio, just like a normal persons stock portfolio, the purchaser has to make sure that the polices match their overall risk tolerance. It is the life settlement providers job to make sure that they do. For more information please go to
LIVEpdq.
Posted by The Policy Settlement Alliance on Fri, Jul 30, 2010 @ 04:40 PM
By Blaine M. Ferguson
Following a recent shareholder meeting, Life Partners., a Waco, Texas based life settlement provider, announced it would be using over $100 million dollars worth of capital to fund a separate shareholder owned venture.
The life settlement provider says it will distribute $100 million in pre-tax settlement assets worth about $6.71 per share. These settlements have a cost basis of $1.59 per share.
"The policies after all costs and interest are worth about $100 million or $6.71 per share," said Brian Pardo, chief executive of Life Partners. "We carry them at cost on our books which is the $1.59 per share. The market is not giving our stock credit for the true value of these assets, $100 million pre-tax. So, we decided just to spin them out to our shareholders and let them each collect their portion of the $100 million in cash."
Shareholders will be taxed on gains from the payout. The payout allows the life settlement provider to pay out the cash as a dividend, rather than being unreflected in the share price.
For more news or information regarding life settlement providers, 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 Thu, Jul 29, 2010 @ 10:03 AM
By David M Epstein
A life settlement provider is responsible for the purchase of the life insurance policy. The provider will receive information from your agent/broker regarding the policy. The information will include particulars about the policy itself such as the face amount, cash surrender value, and percentage of cash paid into the policy. The life settlement provider will also receive information regarding the insured on the policy. This information will include medical records for the past 5 years and life expectancy reports.
The life settlement provider is responsible for using the above information provided to determine if the policy is one they are interested in investing in. The information provided must fit certain parameters set by the investors fronting the money to the provider. If the information on the policy does fit the set parameters, the provider will make an offer to purchase the policy.
The purchase price is typically less than the death benefit, but more than the cash surrender value. If accepted the provider will purchase the policy from its owner for cash. The original owner will receive a cash payment and will no longer be responsible for the policy.
Click the LIVEpdq link for more information and 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 Wed, Jul 28, 2010 @ 02:20 PM
By Ian F Smith
Everyone wants to live life to the fullest and having access to the right life settlement provider is a step in that direction. Why continue to invest in life insurance policies without benefits, engage in expensive premiums with meaningless literature. Let us help you take back control of your life. The life settlement provider that purchases your policy with our help will have a dedication for success and have a proven track record that is embarked on a tradition complimented by many. We provide smooth transactions and look to maximize your cash converted from life insurance policies.
Our commitment to confidentiality and privacy speaks volume on how we conduct business. So why continue to live with uncertainty let us connect you with the right life settlement provider that will supply the stability and clarification you will need. Why look for an easy road when we have one already paved for you.
Click our LIVEpdq link today for a free life insurance policy review to see if we can help you sell your policy to a settlement provider with an exemplary reputation.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.