• Brexit 176
    July 01, 2016

    Brexit and Non-Correlation

    It sure was a rough start to 2016 for the stock market. U.S. equity markets recorded their worst start to a year on record. According to the Wall Street Journal, “Stocks and oil prices had dropped together in the first six weeks of 2016, amid worries a downturn in China could export deflationary pressures world-wide. As those concerns eased and the Federal Reserve held back on raising interest rates, risk assets staged just as dramatic a recovery, sending the S&P 500 back into positive territory for the year.”

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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 Settlement Taxes Information
    April 15, 2016

    Tax uncertainties for life settlements: 5+ troublesome issues

    It’s tax time again, which means yet another year has passed without clarity for life settlement transactions.

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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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  • Irrational-Lapse-of-Insurance-176
    February 19, 2016

    Don’t Irrationally Lapse Your Policy

    As a result of the lack of awareness of that secondary market – that is, the ability to sell a life insurance policy -- far too much life insurance is “irrationally lapsed” each year.

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  • rsz_1conference-crop-600x338
    January 27, 2016

    Investors & analysts agree: Life settlements asset class destined for long-term growth

    The transaction just makes good sense for the consumer, many of whom are under the impression that the only thing they can do with an unwanted or unaffordable insurance policy is to just surrender it back to the insurance company for whatever cash value is available

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  • Estate-Planning-and-Life-Settlements
    January 20, 2016

    Life Settlements and Estate Attorneys

    If the tax is eliminated through the good work of a consultant, the client’s life insurance may be rendered unnecessary. Life insurance policies are not a liability. They are an asset that can be sold.

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  • Term-policies-make-exceptional-candidates-for-a-life-settlement
    January 19, 2016

    Here’s how to create surrender value for term life insurance

    Term life insurance that is convertible to universal life continues to be the hottest prospect on the life settlement market.

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  • Complex-Life-Insurance-Policy-Illustrations-and-Life-Settlements
    January 13, 2016

    Complex life insurance policy illustrations underscore the need for trusted advisors to counsel seniors

    Do we truly believe that the policy illustrations provided by life insurance carriers are written and delivered in a way that is friendly or accessible to a consumer who has little or no knowledge of how life insurance products are priced and structured?

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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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  • increase-to-cost-of-insurance
    December 14, 2015

    Insurers That Raise COI Hurt Their Own Profitability

    Imagine that you worked for a large company and the CEO announced that no employees would be fired, but all salaries were to be cut by 50%. The overall level of productivity would decrease at the company as the valued employees would leave and only those without other options would stay.

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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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  • Life-Policy-Living-Benefits-Transparency
    September 28, 2015

    Toward awareness of all life policy benefits

    With a national election crowding headlines, transparency may not seem the norm, but thankfully there is a mounting trend toward disclosure when it comes to life insurance policies.

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  • Stable-Assets-176x176
    September 16, 2015

    How to calm a panicked client? Look at stable assets

    If we examine the makeup of your clients’ investments, nearly every asset class has potential for some market volatility — except one. Their life insurance policies.

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  • ASK
    August 25, 2015

    Exposed: 5 Dangerous Misconceptions about Life Settlements

    It has been years since the wild, wild, west days of life settlements in the mid-2000s. Life settlements are now regulated by 42 of the 50 states, covering over 90 percent of the US population. The erroneously short life expectancy reports that were used in the pricing of life settlement offers have been corrected. Nonetheless, certain misconceptions linger from those bygone days.

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