A Life Settlement is  the sale of an existing life insurance policy. The funds generated  are greater than the policy's cash surrender value. Often the original  planning needs have changed so that the policy is no longer needed.  Premiums may have become a burden, and the original policy owner may  want to eliminate the life insurance policy by letting it lapse. Now  there is an alternative. The policy owner may sell his policy just  as they would sell a stock or bond, or even their home.

 This secondary market gives the policy owner  a market that did not exist in the past. In prior years, the policy  owner was left with only one entity to deal with, their own carrier.  This exciting alternative allows the policy owner to obtain institutional,  and real market pricing for this valued asset.

Life Settlement Benefits

This new service offers you and your client an opportunity to benefit from a wasting or wasted asset. Many life settlement transactions generate substantial capital, thus creating the need for additional financial products or services. In some situations, a new and improved insurance policy may even be issued, benefiting both the client and you, the financial professional. The Life Settlement solution is typically the Win-Win scenario that you have been looking for.

Life Settlements Articles and News

Avoid scams by planning for future (Bradenton Herald)
Fred Forbes Personal Finance I will stop by the National Association for Securities Dealers Web site at www.nasd.com now and then and check the "Investor Information" section to see which scams are attracting the attention of the regulators. Occasionally, I even come across something new.

Questions to ask when considering life settlement (The Fort Collins Coloradoan)
In the last column, I covered the basics of life settlements.

Basics of life settlements that seniors should know (The Fort Collins Coloradoan)
Viatical settlements gained popularity in the 1980s as a source of cash for terminally ill life insurance policyholders.

Changing faces of life insurance (Coeur d'Alene Press)
Often life insurance is purchased when a family is young in order to meet specific needs if the insured dies early. Over the years, life changes, and so does the need for life insurance.

Selling your life insurance policy can yield cash (Pioneer Press)
Marvin Stillman of Edina found a way to make the life insurance policy he'd purchased through his company work for him in retirement: He sold it.


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