Life Settlements are Gaining Popularity

In the insurance world, “life settlement” transactions are a new trend gaining popularity. Virtually every insurance professional has heard about this industry in the news, online, or through other professional forums. This innovative and fast growing market has seized the attention of financial markets, insurance professionals, and senior consumers all over America.
A life settlement is a financial transaction in which a policy owner possessing an unneeded or unwanted life insurance policy sells the policy to a third party. The policy is sold for more than the cash value offered by the life insurance company but for less than its death benefit. The purchaser becomes the new beneficiary of the policy and is responsible for all subsequent premium payments

Will this be of benefit?
There are countless scenarios that might encourage a policyholder to exit a life insurance arrangement. Insurance companies mainly offer their customers two choices: lapse or surrender. A life settlement is a third option available to some. This type of transaction is a revolutionary option for a growing number of policy owners. A life insurance policy is a form of property such as a car or a house. Policy owners are free to sell and transfer ownership of their policies. Rather than continuing to pay premiums on a policy that no longer serves its original purpose, life
settlements offer payoffs that can be significantly greater than surrendering a policy. According to LISA’s recently published “Data Collection Report”, policy owners who settled (sold) their policies in 2005 received 371% more cash than the cash surrender value option. Unquestionably, life settlements offer a rational and profitable exit strategy that addresses the financial objectives of policyholders. Investors are attracted to life settlements for a number of reasons. This type of investment provides reasonable expectations of higher than market returns and is not affected by the performance of financial markets. Life Settlements is not an option for every policy owner. The usual candidate for a life settlement is age 65 or older and owns a life policy with a face amount of $250 thousand or more.



A settlement is only possible when the policy’s market value exceeds the cash surrender value. The key factors determining the market value of a policy are the death benefit, cost of premiums, and the life expectancy of the insured. The life expectancy is usually the key driver in determining the market value. In simple terms: the lower the premium and life expectancy, the higher the market value. Market value of policy = present value of death benefit – (present value of future premiums + acquisition costs)

In Summary
Life settlements are complex financial transactions and are generally conducted on behalf of clients by experienced Life Insurance Settlement companies. When representing a client, these professionals have a fiduciary duty to represent the best interests of that client.

Senior Life Settlements Need Strong Carriers

When looking to obtain a Senior Life Settlement, it helps to make sure that your policy is with a strong carrier. These carriers will be instrumental in determining the size of your lump sum settlement and the particulars of the settlement. Below is a letter that was forwarded by Lincoln Financial. The strength of this company should be emulated when you are looking to receive a Senior Life Settlement.






March 30, 2009

Dear Client:

The last few weeks have brought more headlines about financial services companies, the insurance industry, and Lincoln Financial. There are very real issues in the market that are weighing on companies like ours and affecting investor sentiment and outlook. In this environment, where the speed of the news means that context is often lost, it is especially important for consumers to distinguish between two perspectives: the investor focus on stock price fluctuations, holding company debt and growth projections, and the policy-owner focus on the claims-paying abilities and surplus of the insurance subsidiaries issuing their policies. The ratings agencies, who routinely issue reports and ratings on both holding company debt and
the claims-paying abilities of the insurance subsidiaries, have recently taken ratings action on Lincoln Financial and many of our competitors designed to reflect the impact of the severe equity market declines and credit market illiquidity. In general, our insurance subsidiary financial strength ratings remain very competitive. For more information on this important topic, please see the attached ratings summary.

Let me share a few key highlights of our focus during this period: Our strength is in what we deliver, every day. We have a diverse and complementary mix of wealth protection, retirement accumulation and asset management businesses that provides balanced earnings to the corporation. We maintain industry-leading market share in many of our products and have deep relationships with distribution partners that allow us to continue to educate advisors on where their clients can find security in today’s environment. Although today’s markets can be described as unprecedented,
our products and solutions share a conservative risk management platform that has been in place for more than 100 years.

We are confident that we are responding appropriately to the current environment.
While no one can foresee the length and severity of this market cycle, we are making appropriate decisions to better position the company for both short-term challenges and long-term performance. To prudently manage capital, we have taken a number of actions, such as reducing our common share dividend, restructuring the company to be as efficient and effective as possible in this market, reducing expenses across the organization, and adding to our financial flexibility through reinsurance agreements as it makes sense to do so. And although access to capital is constrained given current market conditions, we currently have adequate internal and external resources to meet holding company obligations, including near-term debt maturities. We maintain contingent sources of liquidity should market conditions dictate.

Senior Life Settlement Financing

Finacing crunches has hit the industry, but financing and offers are still available for Senior Life Settlements.

Generally speaking, senior life settlements are an option for high-net-worth policy owners age 65 or older. Independent estimates report that among this group, 20% of policies have a market value that exceeds the cash value offered by the carrier. And while many policyowners are unfamiliar with senior life settlements until a financial professional mentions the option to them, the concept has gained attention from high-profile proponents such as Warren Buffett, former U.S. Representative Bill Gradison, and numerous media sources including The Wall Street Journal, Time Magazine, Business Week and The Economist. A growing number of experts now believe that informing clients about offering a life settlement should fall under the fiduciary duty of a financial adviser. With this being said, those established in the industry are now placing an emphasis on life settlement education for financial professionals so that they can accurately present the life settlement option to all clients who might benefit from it. Financial advisors should also look into increasing their exposure and credibility.

Case Examples:
Male Age 68 / 15 Year $500,000 Term Insurance / Amount paid to policy owner $30,000
Female Age 71 / Universal Life $500,000 / Amount paid to policy owner $50,000
Male Age 73 / Universal Life $1,000,000 / Amount paid to policy owner $100,000
Male Age 78 / Universal Life $2,000,000 / Amount paid to policy owner $440,000

Find out the value of your policy with a free Life Settlement Calculator.

Call 1-888-973-8377 to speak with a Senior Life Settlement Professional!

Life Settlement Info

Are you paying too much for your life insurance policy? Have changes in your life altered the necessity for your current death benefit or premium? Are you looking to surrender your policy or is your policy in danger of lapsing? Seniors with these questions may want to look toward acquiring a Life Settlement.

Also known as a Senior Settlement, a Life Settlement is a cash payment to the owner of a life insurance policy in exchange for the assignment of the ownership of the policy. It is a new concept that provides an “exit strategy” for life insurance policies that are viewed as too expensive, poor performing, or because the policies no longer meet your needs.

Some facts about about Life Settlements:

*You may obtain a settlement with almost any type of policy: Whole life, Term, Universal or Variable, Keyman, Group, Joint Survivorship, etc. Usually clients are age 65 years or older and have a policy with a face value of at least $100,000. The policy must be at least 2 years old.

*There are NO medical exams, interviews, or tests.

*The proceeds from the settlement have no restrictions on their use. They could be used to pay off an outstanding debt, purchase a much more efficient life insurance policy, invest in an annuity to increase income, or be used for the enjoyment and relaxation that retirement should bring.

*Since multiple funders are available, the highest offer is always presented and there is no obligation to sell by going through the discovery process. All Life Settlement quotes are 100% free of charge.



With a lot of information out there regarding Life Insurance Settlements. I found a great article over at Life Settlement Info. You will enjoy the read:

Life Insurance Settlements

There is also a life settlement worksheet and life settlement calculator that can you give you an immediate estimate if you could qualify for Life Insurance Settlement.

Call the free information outline for an info kit. 1-888-823-7764

Senior Life Settlement Investments

Are you looking to invest in Senior Life Settlements? Looking for another revenue stream? We will provide some detailed links about investments, returns, and companies for Senior Life Settlements.

Senior Life Settlement Investment Index - Article about a new life settlement index.

Investment in Life Insurance Policies - Nice outline for life settlement investors.

Free Life Settlement Investors Web Event - Online event for investors and potential investors.

Senior Life Settlement Investment Returns - Brief article about expected returns.

Senior Life Settlement Companies are one Best Stock

In a market where the best stocks are plummeting and the market as a whole is on the downturn, the surprise of the month is that the stock of the Senior Life Settlements companies are some of the best and most secure. While they are not penny stocks, these are reasonably priced stocks that provide a very good chance of return in the coming months.

The reason is that Senior Life Settlements are being used more and more in the current economic crisis. With standard investments like mutual funds, blue chip stocks, and annuities hurting due to unstable markets and low interest rates, many investors are being forced to look at more creative ways to produce investment return. Senior Life Settlements are a great way to do this. They allow a senior to liquidate an insurance policy that is not needed anymore, or has become too cost-prohibitive. It is a very simple way to maximize your investments and income by cashing in on potential windfalls of funds, while also removing burdensome policies that are not needed.

This is why Senior Life Settlement companies have some of the Best Stock on the market right now. Their business while in some cases not growing at the moment, has not decreased due to the stagnation of the economy that is affecting so many other areas of the financial community.

To find out some good companies to Buy Stock in or to find out more about Senior Life Settlements,... Click Here>>>>

Senior Settlement Underwriting

The Senior Settlement marketplace is going through some current changes. One of the largest changes is the mortality and underwriting changes. The Senior Settlement pricing model is built on 3rd party life expectancy reports (LEs). A handful of LE providers have changed their underwriting and mortality ratings. This effects pricing and offers to senior settlement policies. It also has the investment groups nervous about their current portfolios. We will keep a close watch on this and continue to post news.

Here is some articles about these changes:
Underwriting firm wants more transparency
Life Expectancy White Paper Report

Senior Life Settlements Info

Life Settlement Info and Information is not that easy to find. Most of the sites have the same information, parameter list, etc..

Well lucky for us, we found Life Settlement Info!

It is packed with information articles, reviews, resources, and news. But it also integrates additional features for website visitors.

They include:
Senior Life Settlement Calculator
Matching seniors and policy holders with Life Settlement Companies
Blog that is updated weekly or less
Consultation advice
NAIC Brochure download
Senior Life Settlement Worksheet

Head over to Life Settlement Info - your senior life settlement information is waiting!

Senior Life Settlement Quote

Find out the value of your Life Insurance policy, call 1-888-973-8377.

Basically a senior settlement or a senior life settlement as they are sometimes called is when a senior sells an insurance policy to an investor (known as funder or provider) for a percentage of the insurance amount. The funds can be used for any number of different purposes including everything from paying your medical bills, family vacation, to additional financial vehicles.

Do not sell your policy or accept an offer without calling 1-888-973-8377. We will get you the highest offer.

Premium Financing

Most people mix senior settlements and life settlements with premium financing. They are both financial transactions that include life insurance, but should not always be linked together.

However most life insurance policies that are obtained via a premium financing method or then sold on the secondary market via a life settlement. This is not a mandatory requirement for a premium financed policy.

Premium Financing and Senior Settlement are excellent ways to capitalize on your insurability to protect and grow wealth. To be eligible to participate in either program, you must be a male, age 70 or older, or a female, age 75 or older, who is insurable by a highly rated life insurance company. In most cases the carrier most be A+ rated. These minimum ages may be lower based on an analysis of the your life expectancy (LE, from a third party source), medical records, and the outcome of a physical examination. Typically, you must be insurable for a minimum of $1 million up to a maximum of $30 million. Most companies will only finance policies in $5 million increments.

If you are interested in knowing more about the benefits of Senior Life Settlements and Premium Financing, please give us a call at 1-888-973-8377 to schedule a free consultation. We will answer your questions and provide you with all the documentation for legal and financial review so you can reach the best decision.

Also if you currently have a policy to sell, we can also assist with that. Let us work to get you the highest offer for that policy. Call 1-888-973-8377 today.