• What is your financial plan - small
    June 21, 2016

    Comparing Life Settlements and Reverse Mortgages: Two Sound Financial Planning Strategies for Seniors

    We’re all aware of the retirement funding shortfall in America. Research from the National Institute on Retirement Security (NIRS) found that retirement savings are dangerously low, with the U.S. retirement savings deficit between $6.8 and $14.0 trillion. The NIRS reports that the average working household has virtually no retirement savings and when all households are included -- not just households with retirement accounts -- the median retirement account balance is $3,000 for all working-age households and $12,000 for near-retirement households.

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  • Downsizing your life insurance small
    June 02, 2016

    Downsizing? Consider Downsizing Your Life Insurance.

    Seniors have several options to choose from to help get the most out of their retirement years. Downsizing your home is one of the most popular choices, but did you know, you could also downsize your life insurance? You might ask yourself, why would I downsize my life insurance? You would do it for the same reason you would choose to downsize your house. You decide that you just don’t need as much you once did now that the kids are out on their own.

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  • Advisor determines if consumer is eligible to sell a life insurance policy
    May 09, 2016

    When Is a Life Settlement a Possibility?

    The most important factor to determine whether a life settlement should be considered is whether or not the policy is about to be lapsed or surrendered. In other words, a life settlement is an alternative to lapse or surrender, not an alternative to keeping a policy.

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  • Life Insurance Unclaimed Property Investigation
    April 25, 2016

    Life Insurance Industry Under Investigation for Unpaid Claims

    The award-winning CBS News television program, 60 Minutes, aired a disturbing story this week that should be cause for concern for all Americans who own life insurance policies. The story, reported by CBS News Correspondent Lesley Stahl, shone a national spotlight on calculated efforts by life insurance companies in several states to avoid paying life insurance claims.

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  • Real Value for Real People - Life Insurance Settlement
    April 19, 2016

    Real value for real people

    It is easy to speak hypothetically about how life settlements are consumer friendly. After all, lapsing a policy for nothing makes no sense if you can sell it. Even surrendering a policy may be irrational in light of offers in the life settlement market that often are 5-10 times more valuable surrender value.

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  • life settlements are not suited for every individual situation.
    March 21, 2016

    Life Settlements Aren’t for Everyone

    As more American seniors learn about a life settlement as a rewarding option for a life insurance policy they no longer need or can afford, they conclude that it’s an attractive alternative to lapsing or surrendering the policy back to the insurance company. However, as with any financial planning strategy, life settlements are not suited for every individual situation.

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  • Betrayal by Insurance Companies 176
    March 17, 2016

    Are life insurance companies betraying their senior policyholders?

    Is it possible that life insurance companies are betraying America’s seniors, a vulnerable group of customers who put their trust in the hands of these companies when they purchased life insurance policies?

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  • Qualify-for-a--Life-Settlement
    February 04, 2016

    Do You Qualify for a Life Settlement?

    So, what are the factors that make someone a good candidate for a life settlement transaction?

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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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  • Life Settlement - Happy Holidays
    December 21, 2015

    Happy Holidays! Here’s to Better Financial Planning in 2016

    As we approach the holiday season and the close of 2015, it’s a great time to take a step back and reflect on what is most important in life. It’s not the amount of money in our bank accounts or the great achievements in our careers . . . it’s the relationships we hold dear.

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  • life insurance policy contained unexpected value that was uncovered just in time to be a life changer
    November 25, 2015

    Life Insurance - It May Be Better Than You Think

    Have you ever had one of those days where nothing seemed to be going right and suddenly something happened that changed your whole outlook? Here are a couple examples where a life insurance policy contained unexpected value that was uncovered just in time to be a life changer:

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  • Valuation-of-Insurance-Policy
    November 23, 2015

    How Much Is Your Life Policy Worth? It’s Not Such a Mystery After All

    If you’ve spent some time on the www.LISA.org website, you understand by now that your life insurance policy is legally recognized as your personal property. That means it’s an asset you own and can hold for its originally intended purpose of paying out a death benefit to your heirs one day – or, if you decide that you no longer want, need or can afford that policy, one of the options available to you is to sell that asset to an investor in the form of a life settlement.

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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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  • Sam_176X176
    November 18, 2015

    Are the Stars Aligning for Baby Boomers Seeking to Sell Policies in the Secondary Market?

    Cash-strapped baby boomers who are entering their retirement years are discovering that the secondary market for life insurance may be a solution to ease their financial burden.

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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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  • Stock-Panic-176
    August 26, 2015

    During Stock Market Turmoil, Don’t Panic – Consider an Overlooked Asset

    The month of August 2015 was a true roller coaster for investors in the stock market, with more valleys than peaks during the ride. The group of investors least thrilled by the turmoil, however, was seniors who have retired and are now living on fixed incomes from Social Security, a pension or other investments.

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  • rsz_1life-insurance-policy-crop-600x338sm
    August 18, 2015

    Before Your Client Lapses That Life Insurance Policy, Consider the Alternatives

    More than 100 years ago, in its landmark Grigsby v. Russell decision, the U.S. Supreme Court ruled that life insurance is personal property and can be bought and sold like any other property you own. That means your client’s life insurance policy has value to his or her family right now, not just when he or she passes away. Unfortunately, the vast majority of your clients are unaware of this simple fact.

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  • Life Settlements Industry is Ethical and Regulated
    July 27, 2015

    Beyond the Headlines: Life Settlements Industry is Ethical and Regulated

    Tackle a few important questions that some consumers ask about the life settlements marketplace.

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  • Fla176
    July 02, 2015

    Celebrate Our Freedoms

    As we celebrate July 4th and our independence, we reflect on how fortunate we are. Significant sacrifices were made by dedicated citizenry from all walks of life to create an environment of freedom that has so enriched our lives. We shall always be grateful!

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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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