• A-Life-Settlement-and-Replace-Strategy-that-Still-Remains-Viable
    March 14, 2017

    A Life Settlement and Replace Strategy that Remains Viable

    The days of selling a policy in a life settlement and replacing it with a new one are mostly gone, but one variation on that strategy can still work in the right situation.

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  • Term-policies-make-exceptional-candidates-for-a-life-settlement
    November 10, 2016

    Shattering a myth about life settlements: 5 advisor benefits

    In addition to the benefits to clients, financial advisors themselves can benefit from working with their clients to pursue a life settlement.

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  • Unwanted Life Insurance Options Sign
    June 02, 2016

    Alternatives for an Unwanted Home vs. Unwanted or Unneeded Life Insurance

    Buying a home is one of the biggest decisions you'll ever make but imagine purchasing a home from a builder where the contract of sale specifies that, if you choose to sell the home at a later date, you may only sell it back to the builder. Years later, when you are ready to downsize and no longer want the home, you approach the builder and she offers you ¼ of the home’s market value. You are left with three possibilities: (1) keep the home you no longer want; (2) sell at a below market price to the builder; or (3) abandon the home for nothing. This is a no-win situation – for the homeowner.

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  • Small New Law in GA
    April 29, 2016

    New Georgia Law Prohibits Insurers from Silencing Agents on Life Settlement Option

    For the past few years, LISA member Bryan Freeman, founder and president of Habersham Funding, has led the charge in an important legislative initiative in his home state of Georgia. After much hard work and persistence, that effort has now paid off . . . and Georgia seniors are the real winners.

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  • Life-Insurance-Policy-As-a-Valuable-Asset 176
    April 04, 2016

    A novel strategy for funding long-term care expenses​

    A senior’s life insurance policy may be a valuable asset that can be utilized in order to free up the cash needed to help pay for long-term care expenses.

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  • Negative Rates 176
    March 18, 2016

    Negative Interest Rates and European Insurance Companies

    The Wall Street Journal recently published an article, “Negative Interest Rates and Insurers: Be Afraid,” discussing rates in Europe that have gone negative in some countries and how this hurts European insurers. The article does not discuss, but I would argue, that those who hold policies from these insurers should consider the life settlement market as an avenue to sell unwanted and unneeded policies.

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  • “Acres-of-Diamonds”-Should-Apply-to-How-Advisors-Think-About-Life-Settlements
    January 12, 2016

    “Acres of Diamonds” Should Apply to How Advisors Think About Life Settlements

    If you’re thinking of expanding your work with life settlements, instead of looking for new clients, first take a look at the ones you already have. Chances are you have one, or more, who have needs that a life settlement could help meet.

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  • COI-176x176
    November 19, 2015

    Insurers Misprice Products and American Consumers Pay the Price

    Over the last five months, several insurance companies, including Voya and AXA, have announced increases to cost of insurance rates ("COI") for certain outstanding universal life insurance policies. These increases, some which are in excess of 80%, allegedly were made to address the anticipated future costs for providing the coverage.

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  • Opportunites-to-sell-your-life-policy176
    October 13, 2015

    Opportunities for Seniors to Sell an Unwanted Life Policy Increase in Changing Financial Environment

    Opportunities have never been better for seniors who can no longer afford their life insurance premiums to sell them through what is known as a life settlement

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  • Eye on 7 of the most common life settlement situations
    October 07, 2015

    Eye on 7 of the most common life settlement situations

    A life settlement can be a great alternative to accepting the insurance company’s surrender value, if any, for a policy that is about to be lapsed or surrendered. While there are many reasons a policy may be terminated, certain scenarios are the most common. Keeping an eye out for these situations is one more way for you to help your clients.

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  • rsz_1happy-couple-crop-small
    June 30, 2015

    Don’t get confused: Life settlement transactions are safe and regulated

    From time to time, a misinformed person takes to his or her computer and publishes something about life settlements that confuses folks with false and misleading information. Unfortunately, in the era of digital media, one inaccurate article can live a long and destructive life on the Internet. When that happens, it’s important to call a timeout and set the record straight.

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