• 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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  • Post-Retirement Financial Checkup
    November 07, 2016

    Schedule a Post-Retirement Financial Checkup

    Most of us are familiar with the retirement planning shortfall in America, but at the same time there are millions of Americans who do a great job preparing for their golden years. They work hard, save with discipline and do their best to stick to a plan that will allow them to achieve their financial goals. If you are one of these retirees, congratulations! But don’t let the financial planning stop now. In fact, after you’ve entered retirement, it’s more important than ever to give your finances an annual checkup.

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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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  • The Integrity of carriers is reviewed
    May 13, 2016

    Measuring Integrity

    You’ve heard that the measure of a person’s character is determined whether they do the right thing even when no one is watching. This absolutely rings true with insurance, which is a highly-regulated industry.

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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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  • 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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