What determines how long a life settlement will take?

A life settlement is a transaction in which the owner of a life insurance policy sells the policy to a third party for a lump sum of cash. The amount of time it takes to complete a life settlement can vary depending on a number of factors, including: In general, life settlements can take anywhere […]

Debunking Life Settlement Myths: What Your Broker Dealer Might Not Tell You

Life settlements, the process of selling your life insurance policy for cash to a third-party investor, are a topic surrounded by myths and misunderstandings, particularly among broker dealers. Whether due to lack of knowledge or misinformation, many policyholders are left uncertain about the virtues of life settlements and potentially miss out on a beneficial financial […]

Why Should I Sell My Life Insurance?

Life insurance can be a valuable financial tool, but it’s not always the right fit for everyone. If you’re considering selling your life insurance policy, there are a few things you should know. Here are some of the reasons why you might want to sell your life insurance policy: It’s important to note that selling […]

Is it legal to sell my life insurance policy?

Yes, it is. I was surprised when I first discovered this. The process is known as Life Settlement. Life settlements are legal in the United States. In 1911, the Supreme Court ruled that life insurance is property and can be sold. In 1996, the Health Insurance Portability and Accountability Act (HIPAA) further solidified the legality […]

7 Life Events That Make Life Settlements a Wise Financial Choice

Life settlements represent a strategic financial decision for many, offering alternative solutions when life insurance no longer meets the original needs or becomes a financial burden. Understanding the key life events that make life settlements a wise choice is crucial for informed decision-making. **Retirement or Selling a Business:** Transitioning out of business ownership or retiring […]

What is a Viatical Settlement?

A viatical settlement is a financial transaction in which the owner of a life insurance policy sells the policy to a third party for a lump sum of cash. The seller, known as the viator, is typically someone who is terminally ill and expects to die within two years. The buyer, known as the investor, […]

How Does a Life Settlement Work?

Life Settlements are when you sell a life insurance policy you no longer need instead of surrendering it to the insurance company,.

General Qualification Guidelines:

Your Life Insurance Policy may contain Hidden Cash Value Here are some general criteria: Life Settlements: Uncovering Hidden Value in Your Life Insurance Policy

Don’t overlook the Hidden Value in Term Life Insurance Policies

Term Life Insurance is typically bought to cover a temporary need and, at some point in time, it either expires, reaches the end of its rate guarantee period, becomes unnecessary or becomes unaffordable.  When any of these events occurs, a Life Settlement may be a way to recover some “salvage value” for your client. We […]

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