Wet Paper Life Settlements

We keep hearing about the term "Wet Paper Life Settlements". This can usually refer to life settlements that are sold before the life insurance policy passes the 2 year contestable period.

Wet Paper Life Settlements that are policies that are issued are usually premium financed and have certain restrictions involved before being sold. Non-issued but approved policies have other restrictions including structuring of the trust, proving insurability, etc..

It is important to know that Life Insurance Companies will strictly underwrite new policy issues for seniors. If you cannot provide an insurable interest you could lose your license for fraud.

Call 1-888-973-8377 to see if we can assist with any potential, and inform you with the truth about Wet Paper Life Settlements.

Value in Life Settlements

Most seniors still do not know that there is a hidden value in their life insurance policies. Policies are lapsing on a daily basis that could generate a 10-35% settlement on the face value.

An important fact is that their is not any cost or obligation in exploring Life Settlements. There is no reason to not at least explore the option of selling your policy before cashing in the cash value or letting it lapse.

Create new value for your life insurance with Life Settlements! Call 1-888-973-8377 today!

Life Settlements Credibility

When exploring a Life Settlement solution for your life insurance policy, it is important to factor in credibility with the funding source or broker that you are using.

Many people will guarantee you a certain amount of money for you policy. However Life Settlements are not guaranteed until the policy and medical information is reviewed. Each Life Settlement case is reviewed and priced on a case by case basis.

It is also important to provide your life settlement source with up to date information about your health condition. This can have a tremendous factor on your offer.

Call 1-888-973-8377 with Life Settlement questions.

Life Settlements Value

With a Life Settlement each case is looked at individually, there are quite a few factors that determine the amount of your life settlement, qualifying for a life settlement, and the available life settlement cash amount.

For example, your life settlement amount will be determined by the original amount of the life insurance, your life expectancy, the cost of the premiums, the current and projected interest rates and health of the insurance company that is providing the life insurance coverage. All of these factors are taken into account when determining your life settlement value.

Call 1-888-973-8377 to find out if you qualify for a Life Settlement. And RTG Consultants would be glad to answer any questions.

Life Settlement Benefits

Life Settlements have become the #1 financial planning tool used to reduce or eliminate expensive life insurance premiums for seniors. Life Settlements have also become an exit strategy for unwanted or unneeded life insurance policies. The most obvious benefit of Life Settlements to senior policy owners is the new money created above cash surrender value. The additional funds can be used in many ways to improve a senior's financial position. The most common is to use the new larger sum of money created by the Life Settlement to fund a new more suitable policy with lower premiums. This saves the policy owner money on an annual basis. While this is the most common use, there are many possible benefits for a Life Settlement.

Get a Free Life Settlement Evaluation by calling 1-888-973-8377.

Life Settlements Lapse

Rather than let a life insurance policy lapse, you could sell it to a third party for a portion of the face value. The buyer continues to pay premiums and collects the death benefit when you're gone.

How much you'll get from a life settlement depends on your age (in most cases you must be at least 65) and the policy's face value (usually at least $250,000). Most life-insurance policies -- including term-life policies, which normally have no cash value -- qualify, as long as they're convertible. That means you can change them to universal-life or whole-life policies without furnishing proof of good health to the insurance company.

If you are thinking about letting your policy lapse or have a client who is going to let their policy lapse, call 1-888-973-8377 and speak with a Life Settlements Expert to see the true value of your life insurance.

Life Settlement Solutions

Life Insurance Settlements are a popular solution for un-wanted or un-needed life insurance policies.

Life settlements are essentially the same thing as viaticals, except that the policyholder doesn't have to be terminally ill to sell.

Say you're a 60-year-old with a $1 million whole life policy that you don't want any more. Maybe you don't have children, or you just can't afford the premiums.

A life-settlement firm may offer you from 15% to 30% of the policy's face value (depending on life expectancy, cash value and type of insurance) to take over the premiums for you. That's three to four times what you'd get by simply cashing in the policy with the insurer, says Doug Head of the Life Insurance Settlement Association, which advocates for settlement purchasers.

When you die, the investors get the $1 million.

How do the investors make a profit? They're betting you'll kick the bucket before they have to make too many payments. If you do, they stand to reap a sweet return on their investment.

Call 1-888-973-8377 to speak with a Life Settlement Specialist about your solution.

Viatical Settlement

What is a Viatical Life Settlement?

* Remember a Viatical Settlement is not the same as a Life Settlement (Life Insurance Settlement, Senior Settlement)

If the insured currently has a policy that has accumulated cash value and is currently in-force (and not lapsed or in danger of lapsing in the next month or so) then a senior life settlement is possible. A viatical settlement is offered to terminally ill clients. A life settlement would provide a lump sum, cash payment in an amount over and above what the insured would receive if he or she went to the insurance company and asked to cash out the policy. In some instances, the amount received is up to FOUR TIMES the cash "surrender value" that the insurance company would offer. This payout is made possible because the policy owner would assign the buyer of the policy as the new beneficiary. The life settlement amount received is more than the current cash surrender value of the policy.

Call 1-888-973-8377 to speak with a Life Settlement Professional

Association Lauds FASB Decision on Valuation of Life Settlement Contracts

The Life Insurance Settlement Association (LISA) today praised the Financial Accounting Standards Board's (FASB) amended position on the valuation of Life Settlement Contracts.

A life settlement contract -- generally referred to more simply as a life settlement -- is the sale to a third party of an existing life insurance policy for more than its cash surrender value but less than its net death benefit. Such transactions are usually undertaken for the purposes of estate or financial planning.

More:
Life Settlement Press Release

Founded in 1995, the Life Insurance Settlement Association is the oldest and largest trade organization in the industry. Its goal is to promote the development, integrity and reputation of the life settlement industry, and to promote a competitive market for the people it serves. LISA now represents 90 members with a wide variety of interests in the industry.

To get a free life settlement quote, please call 1-888-973-8377

Life Settlements, do not cash or surrender

Life Settlements are quickly becoming the best option if you have a life insurance policy that your planning on surrending or letting lapse.

In the past, there was only one way to measure insurance policy value, the surrender value dictated by the insurance company. This cash value reflected neither the amount of premiums paid into the policy nor the fair market value (settlement value) that other institutions might be willing to pay for that policy. The result, (cash) surrender value of a policy is often lower than the fair market value. Many people have no idea what the true value of their life insurance policy, a life settlement will help you determine the true value and show the amount over the cash value that is available to you. There is never any obligation or costs for a policy evaluation.

Get a Free Life Settlement Evaluation today.