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| CHANGING REAL LIVES |
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"Take my word for it. This company is going to do everything
possible to get you the most for your policy. They did it for
me."
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Marj, Kansas |
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"All
I know is that this works, trust the staff...they know how to get
results."
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Keith, Wisconsin |
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| LIFE
SETTLEMENTS NEWS & ARTICLES |
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All
Information below is taken from areas of the industry that
we at Life Insurance For Life have the ability to moderate
for our clients. We consider our service to be a
"Multi-Brokerage", in that we can use several other
brokerages on your behalf to generate the absolute most cash
value for your policy.
Please do not let
only one investor or brokerage have the final say in what your
policy is worth in the marketplace. Let us do the work
for you, so you can rest easy that the appraisal is being
conducted in the most effective and professional manner possible.
A few simple percentage points can mean tens of thousands of
dollars returned to you.
Life Settlements and Viaticals Finding Investors Who
Bid
Life settlements and
viaticals are now finding investors who will bid and
bring the highest return to people who are looking
to cash out on their life insurance.
By Dr. Jason Gospodarek of
LifeInsuranceForLife.com, PR Web, January 2005
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Life Settlements: The Emergence of a Nascent
Industry
Life Settlements grew out
of a consumer demand by seniors seeking liquidity
for life insurance policies they no longer needed or
wanted. This new financial planning tool
empowers seniors to make decisions regarding this
aspect of their asset allocation.
By Noam Wiess of
Settlement Benefits Association, Society of
Financial Professionals, May 2004
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Life
Insurance for Sale -- In a Secondary Market (Wall Street
Journal)
Don't be surprised if
an insurance agent calls you with a new sales pitch: Sell your
life-insurance policy to someone else. The idea, which is
gaining popularity among older policyholders, is to raise cash
from a policy now, rather than wait until death.
By Jeff D. Opdyke,
Wall Street Journal Online, September 21st, 2004
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Converting a Term Policy for a
Life Settlement
Although
most life insurance policies can be sold as life
settlements, perhaps one of the most common
conversions is from a Term Policy. Many of
clients feel that term policies must either be paid
or lapse, we are finding that this definitely is not
the case.
By
Philip Lian and Evan Soldinger, Broker World
Magazine, July 2003 |
Coventry First Named
10th Fastest Growing Privately Held Company by Inc. 500
Here's an amazing
article from one of our single investors who bids on our clients
policies. This single investor was named in the Top 10
fastest growing privately held companies in Inc. 500 Magazine,
and all they do is purchase life settlements!
Imagine that your policy is up for bid with over 20 companies
like this one and you can understand how using a multi-broker
like Life Insurance For Life is definitely in your best
interest.
Is Your E & O at Risk?
This article explains
why financial planners must inform their clients about the
option of using a life settlement if their policy is about to
lapse. E & O's are errors and omissions insurance that
financial planners purchase to protect them against legal
obligations and tort claims placed on them resulting from
mistakes they may make in their professional duties to their
clients.
By Noam Wiess of
Settlement Benefits Association, Society of
Financial Professionals, November 2004
Life Settlements as a Wealth Management Tool
As the life settlement
marketplace continues to expand and as increased
numbers of high net worth seniors seek liquidity
from unwanted life insurance policies, it is obvious
we are seeing just the tip of the iceberg relative
to the industry’s impact on the financial services
marketplace. It is estimated that life insurance in
force for those over the age of 65 is approximately
$500 billion and will continue to expand as the baby
boomer generation ages. Are you taking advantage of
the situation and using life settlements as a wealth
management tools with your clients?
By Sean McNealy,
Co-President-Financing, Banking Relations and
Corporate Sales
Advanced Settlements, Inc.
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Terminal Illness and Life Insurance Benefits
As people have become more
aware of the financial hardships brought on by
terminal illness, there has been momentum throughout
the insurance industry to find ways to provide life
insurance benefits (other than borrowing against
cash values) before someone dies. Two techniques
that have been developed are accelerated benefits
and viatical settlements. Both are intended
to help ease the financial burden of terminally ill
individuals facing large medical expenses, but they
differ significantly in terms of structure. This
article provides information to help you explain
them to your clients.
By M. Jeffrey Rosen,
CLU, ChFC
ProducersWEB.com Featured Author
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Group Insurance: An Emerging Market for Life
Settlements
What happens to Group
insurance upon early retirement or when the employee
retires at the age of 65? It ends. Do retirees
normally convert their Group insurance to Whole or
Universal Life insurance? No, they do not. Why not?
Because converting from group insurance to
individual insurance upon retirement usually results
in a dramatic increase in premiums, at a time when
people take a reduction in income. The author is
suggesting that a virtually untapped market exists
for you to take advantage of to build your business.
By Chris Lane,
President
Assignable Life Assets
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The Perfect Life Settlement Candidate
Do you know any
75-year-old men who took out a universal life policy
within the last 10 years? Perhaps his wife has
passed, his kids are grown and successful, and he’s
simply grown tired of paying the five-digit premiums
every year to keep the policy in force. Try not to
make any sudden moves, but you may have the perfect
life settlement candidate on your hands.
By Staff Writer, Life
Settlement Sales Resource
York Street Publishing
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Is Living Longer More Than We Bargained For?
America’s Crisis In Aging - Part I & II
As Baby Boomers approach
entry into senior citizenship, America faces a
serious crisis in aging. Just what are we facing?
This article is the conclusion of a two-part series,
consisting of the remarks of Edwin J. Pittock,
President, Society of Certified Senior Advisors to
the Abilene Business & Estate Planning Council on
January 14, 2004.
By Edwin J. Pittock,
CSA, President
Society of Certified Senior Advisors
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Increase Revenue With Medicaid Planning (And Have
Uncle Sam Pick Up The Tab)
Talking to existing or
prospective clients about Medicaid planning is a way
to set yourself apart from your peers. It is also an
excellent title to attract attendees to seminars and
workshops. With proper planning, the advisor can
shelter a large percentage of a client’s assets so
that if nursing home care is needed, the costs will
be paid by the government and not by the recipient
or the recipient’s spouse.
By Gordon Williamson,
JD, MBA, CLU, ChFC
Institute of Business and Finance
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Agent Beware of Life Settlement ‘Singles’
Simple question: would you
sell your house at an auction that had a single
bidder sitting in the audience? Not very likely. You
would not do that because selling something to only
one bidder vastly reduces the possibility that it
receives fair market value. It is far better to seek
offers from many potential buyers, and negotiate for
the best possible price. This same principle applies
to life settlements.
By Chris Lane,
President
Assignable Life Assets
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An Innovative Way to Improve Your Company's Bottom
Line - Life Settlements
Amid falling corporate
profits and a shaky economy, a new way to improve
your company’s balance sheet has emerged – Life
Settlements. Without cost and job cutting, slashing
employee benefits or selling productive corporate
assets, your company can achieve significant bottom
line improvement by utilizing Life Settlements. Take
a look at the life insurance policies you hold on
some of your older, long time employees and key
executives. They may qualify for a Life Settlement
By Jolene Fullerton,
General Counsel
First Secured Life
A Revolutionary Fundraising Opportunity - Life
Settlements
Amid fundraisers’ growing
concerns about the current charitable giving
climate, dampened by the erratic stock market and
shaky economy, a new fundraising opportunity has
emerged – Life Settlements. There are many
variations and complex estate and tax planning
strategies that can be employed when utilizing Life
Settlements in a planned giving program. Learn how
you can help your clients who qualify for a life
settlement to help their favorite charities at no
cost to themselves.
By Jolene Fullerton,
General Counsel
First Secured Life
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Seniors Have New Option to Cash-In on Life Insurance
Thanks to recently enacted
laws, many senior citizens have access to a new
source of cash - their life insurance policies. Just
like your house, car, or stocks and bonds, life
insurance policies can now be sold for cash. The
financial windfall provided by the sale of a life
insurance policy can be the answer to many seniors'
dreams. The author looks at the most common reasons
for selling a life policy. How many of your clients
have reason to sell?
By Jolene Fullerton,
General Counsel
First Secured Life
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A Tale of Life Settlements
A life settlement is the
sale of an existing life policy to a non-related
party at a discounted price. The seller, for various
reasons, might not want to keep the policy any
longer, might not be able to afford it, might not
need it, or may simply prefer to get cash right
away. This is a tale of three agents and what all
agents should know about what could be a booming
market. The story carries a challenge and a test to
see what you would do in a not-too-rare scenario.
After all, you might be just like one of these
agents.
By David Goodwin
IMMS
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Why Would Someone Sell a Life Insurance Policy?
Typically, an insurance
policy is purchased for a particular reason. But
surely enough, circumstances change and the policy
may become obsolete for a variety of reasons. Read
this article to be better prepared in the event that
a policyholder concludes that it is no longer
advisable to keep a policy in place.
By Scott Kirby,
Co-President
Advanced Settlements, Inc.
***
As you can see from the few
articles of information above, here at Life
Insurance For Life, we scour the industry of life
settlements on a constant basis to insure that you, our
potential client, receive only the absolute highest
offer from your life insurance policy.*** |
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Learn more about Life Settlements by submitting your case for a
Free Appraisal, or contact
our offices directly via
email or by telephone at 1.920.737.8000. Don't delay, get
started today! |
