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.

How Life Settlements Work

Here's how the life settlements business works. Some life settlement firms and companies are bankrolled by hedge funds, pension funds, and in some cases large insurers like AIG (AIG ). The settlement firms buy the policies from individuals on behalf of investors. The life settlement company then acts on behalf of the investors, who become the owners and beneficiaries, and pays the premium until the insured dies. The firm collects the death benefit and pays its investors anywhere from 9% to 12% annual return. Other firms buy and repackage the policies for sale to a third party.

These life settlements firms really give you, the consumer, the option of creating an immediate payout for an unwanted or unused asset. Call 1-888-973-8377 for a life settlement evaulation.