• retirement shortfall
  • Happy Couple
  • Downsizing
    August 20, 2018

    4 Ways to Downsize in Retirement

    The fact is that downsizing isn’t a concept limited to the size of your house or the amount of possessions sitting in boxes. Downsizing can be a strategy applied to far more than selling a large family home and moving into a smaller place for the next chapter of life, it can be a smart retirement strategy when used in other aspects of life as well.

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  • DIY Life Settlements
    July 13, 2018

    How to Embrace the New Era of “DIY” Retirement Funding

    With traditional pensions disappearing, individual retirement savings accounts are increasingly crucial. Unfortunately, a 2017 report from the U.S. Government Accountability Office found that “many households are ill-equipped for this task and have little or no retirement savings.” Another study found recently that retirement savings “are dangerously low” and placed the median retirement account balance for near-retirement households at just $12,000.

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  • 73122
    July 01, 2018

    Protect Your Health By Protecting Your Retirement Savings

    If you own a life insurance policy you no longer need or can afford, you may be able to protect your retirement savings—and your personal health—by selling that policy for immediate cash.

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  • 71455
    June 11, 2018

    Survey Finds Financial Stress High in U.S., Fueled by Retirement Planning Concerns

    Of these retirement funding strategies for seniors, one that is quickly growing in popularity is the sale of a life insurance policy to a third party, which is known as a life settlement. Candidates for life settlements are typically aged 70 or older, with a life insurance policy that has a death benefit of at least $100,000.

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  • 5-31-18 Blog
    May 31, 2018

    New Tax Law May Benefit Seniors Interested in Selling a Life Insurance Policy

    The passage late last year of a new law that includes sweeping changes to the tax code — the Tax Cuts and Jobs Act of 2017 — was welcome news to business executives, who saw their corporate tax rates cut significantly, and to many American consumers, most of whom will see more money in their paychecks as they pay lower federal income taxes this year.

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  • Volatile Market
    May 25, 2018

    5 Tips for Managing Your Retirement in a Volatile Market

    After an unusually tranquil and steady climb higher in 2017, U.S. stock markets have reminded us this year of how volatile they can be at times. Dow Jones MarketWatch reported this month that so far in 2018, the S&P 500 stock index has gained or lost more than 1% in a single trading day on 32 days. One day that many retirees in particular can recall was February 5th, when the S&P 500 dropped more than 4% — a one-day negative swing that we had not experienced in nearly seven years.

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  • LISA_UberisationBlogPost
    May 17, 2018

    The Uberisation of Selling Your Life Insurance Policy

    Americans over the age of 65 are becoming increasingly comfortable with the sharing economy and this outlook has spilled over into the finance sector – including life insurance. Learn why seniors are becoming more comfortable sharing their under-utilized assets and how adoption rate among older Americans will continue to rise in the future.

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  • Life Settlement & Long Term Care
    April 24, 2018

    $22 Billion is Left on the Table Annually that Could Be Used for Long-Term Care

    As life settlement brokers, we know that seniors age 65 and older are leaving huge amounts of money on the table in lapsed and surrendered life insurance policies. That’s why we work so hard with financial advisors to help seniors sell their life insurance policies. A life settlement can provide much needed liquidity for some of life’s most burdensome expenses, like long-term care or medical costs.

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  • Fotolia_176174956_M
    April 02, 2018

    Should You Stay In Your Home Or Move During Retirement?

    The choice about where to live in retirement is one of the most crucial decisions that a senior makes. It’s not just a major financial consideration, it’s also a highly emotional issue as a retiree’s home is often the anchor to their golden years.

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  • LISA Cartoon
    February 22, 2018

    Is Your Life Insurance Policy Still Serving its Purpose? 5 Questions to Ask Each Year

    A life insurance policy is an important investment for consumers. We’re diligent about choosing a policy that seems to best meet our family’s needs and then we reliably make those required premium payments on time so we can keep the policy in-force as the years go by.

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  • Long Term Care
    February 15, 2018

    2017 Report on Long-Term Care Includes Life Settlements Among Payment Solutions

    A new report by the National Association of Insurance Commissioners (NAIC) Long-Term Care Subgroup includes life settlements among three options for paying for long-term care.

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  • Canadian Happy Couple
    February 14, 2018

    Thawing of Canadian Life Settlement Market – Pro Consumer Developments for Canadian Policyholders - Finally

    While Canadian snowbirds are soaking up the sunshine and warmth in the southern US, many can’t help but notice the availability of products in the south which they can’t get in the north. Life settlements are a financial solution that Canadians see advertised on U.S. television and radio stations etc., yet they rarely hear about in Canada. This is because the U.S. and Canadian life insurance sectors have taken different paths historically, with the American one heading in a decidedly more consumer-oriented direction. Fortunately, for Canadian consumers, this is beginning to change.

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  • Unexpected Life Incidents
    January 18, 2018

    3 Unexpected Post-Retirement Events that Can Put a Strain on Cash Flow

    Preparing for retirement is a significant financial challenge during the working years, but the envisioned reward of enjoying stress-free golden years keeps most of us motivated to earn and save as best we can. Indeed, according to a story this week in the Wall Street Journal, “people at 65 to 74, the so-called time affluent, reported having more fun than any other age group,” according to a 2016 study by Age Wave and Merrill Lynch.

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  • Seniors Part Time
    December 18, 2017

    Seniors returning to part-time workforce in search of supplemental income

    The Wall Street Journal reported this week that, in the coming decade, the fastest-growing segments in the American labor force will be the 65-to-74 year-old and 75-and-older age groups. In fact, 40 percent of all Americans age 65 and older are working at least part-time right now.

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  • New Research In Retirement
    December 04, 2017

    Getting Past the “Ick” Factor

    The key point is that a life insurance policy is an investment asset—just like equities, fixed income or real estate—and should be reviewed from time to time to see if it still meets the needs for which it was initially purchased.

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  • Good Options for Long Term Care_SMALL
    November 21, 2017

    Good Options For Funding Your Long-Term Care

    Most Americans over the age of 65 will require long-term care at some point in their lives, with today’s average senior likely to incur $138,000 in future long-term care costs, according to the U.S. Department of Health & Human Services. This is different from medical care and includes personal help with daily living activities such as bathing and dressing.

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  • New Research In Retirement
    November 06, 2017

    New research finds that American seniors, already postponing retirement, are now dying sooner

    A new report issued by the Society of Actuaries found that the age-adjusted mortality rate in America actually rose 1.2 percent from 2014 to 2015, the first increase since 2005 and just the second increase of more than 1 percent since 1980. Specifically, the report documented that pension plan participants – Americans in retirement – had a decline in their life expectancy of 0.2 years.

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