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