Working with Opulen Capital

Opulen Capital’s friendly counselors understand your issues. They will listen – and help you navigate through the maze of decisions, leading you to a successful life settlement.

We work for you to simplify the Life Settlement Process.

We will first consult with you to discuss:
1.  Your Needs
2.  The Process
3.  Options

You Provide:

1.  Completed Application and Signed
Authorization

Opulen Capital Will:

1.  Collect Medical Information
2.  Negotiate settlement with our Providers
3.  Evaluate options with you

Completion of Process:

1.  Opulen Capital will prepare all transfer documents
2.  Together we will review final offer
3.  Money is deposited into escrow account
4.  Upon completion of transfer funds are wired into your
account.

Client Benefits:

1.  Assists in financial freedom
2.  No Cost
3.  Relief from current premium expense
4.  Gives you the option to CHOOSE

What’s Next?:

Contact Us And Let Us Help!

Trust Opulen Capital to Unlock Financial Assets

Trust The Life Settlement Experts:  Opulen Capital can be used to Unlock Financial Assets for Clients through Life Settlement Process.  Our company offers thorough education and ROI analysis for clients on the benefits of keeping vs. selling their life insurance policy

Opulen Capital, a professional life settlement firm that has secured millions of dollars for its clients through the life settlement process, is proactively educating its clients and the CPA community about the opportunity to unlock the hidden assets that may exist in current life insurance contracts. In the midst of billion‐dollar bailouts and an escalating national debt, Americans are being hit hard financially. With this in mind, Opulen Capital has taken a transparent and proactive approach to ensure that its clients understand and develop a broad perspective of all of the options that they may not realize exist regarding their life insurance contracts – including the life settlement option.

A life settlement is a financial transaction in which a policy owner possessing an unneeded or unwanted life insurance policy sells the policy to a third party (institutional funder) for more than the cash surrender value offered by the life insurance company. According to Conning Research and Consulting, Inc., more than $12 billion in U.S. life insurance face values was processed through life settlements in 2007, representing the most significant industry growth since 2005. Further, the research firm predicts this increase will continue to fuel its expectations for market growth through 2010.

Now more than ever, Americans are seeking new ways to navigate this financial crisis we are in. Many individuals who currently own life insurance contracts aren’t aware that a life settlement can generate substantial impact and achieve financial freedom by transforming an un‐realized asset into immediate capital. Our clients have used their settlement funds for a variety of reasons – to eliminate debt, start new investments, purchase replacement insurance that is more relevant to their current needs and even help family members who may be suffering financially and need the capital now.  Leveraging a proprietary analysis tool, Life Settlement Expert provides policy owners with a 360‐degree view of their unique options, outlining the economic benefits, tax ramifications and estate planning rationales for selling, maintaining, replacing or purchasing additional insurance for their estate or business planning needs.

If a life settlement is chosen by a client as the best option once the policy appraisal and in‐depth analysis is complete, Life Settlement Expert works with nearly 30 of the most credible, reliable and qualified institutional funders to secure the highest offer possible. Unlike many of its competitors, Life Settlement Expert is proactive in disclosing the gross and net offers to every client to ensure absolute transparency throughout the entire life settlement process.

In addition to working directly with clients, Opulen Capital also takes an industry leadership role by hosting regular educational webinars for CPAs and financial planning professionals. Each webinar provides attendees with valuable information, topics and trends regarding the life settlement industry and how it may be a viable option for their own clients.

“Our clients appreciate knowing the true economic value of their life insurance and welcome Life Settlement Expert appraisal process – the result is real added value,” said P. W., CPA in Orange County, California and Life Settlement Expert CPA partner.

Baby Boomers Financially Rescued

If you’re afraid of this Financial Crisis, Seniors over age 70, look to your estate plan for help

Most seniors’ assets have been pummeled in the financial markets, losing as much as 40% of their hard earned retirement. The stock market and related Real Estate investments under the current situation are not easily liquidated without suffering enormous losses. The most authoritative advisors are uncertain with regard to when the market will begin to stabilize. This brings concern as to how many will survive this “Perfect Storm”. If you are over 70, you may find a financial “life raft” in your estate plan. Seniors over 70 are finding the Large Life Insurance Policies they purchased to pay estate taxes can be sold at a considerable profit. A Newport Beach builder found 1.5 million in his term policy that was about to expire. It is imperative for all of us to keep our business and family safe, valuing all your assets in today’s values will help you make the plans necessary to weather this perfect storm. Life insurance that was purchased for the future death of the insured could now be the “life raft” for many. Institutional Trusts set up with money from pension funds are buying policies at prices way above their cash surrender value. Appraising your policies now could make up some or all of the losses you have suffered in this market.

Seniors unlock valuable assets

Seniors are being made aware of new options with respect to their Life Insurance. How do I get more money than my Life Insurance Company is willing to give me?

Manhattan Beach, Calif. – Life Settlement Expert, a professional life settlement firm, provides the opportunity to seniors, with life insurance policies that are no longer needed or are cost prohibitive, to obtain significantly higher payouts than what the insurance carriers are willing to pay. In cases where the individual wishes to keep their insurance, the policy may be restructured to reduce the premium and/or increase the death benefit.The Fair Market Value of the policy is often 15% to 40% of the amount of the insurance in force and can be determined by an appraisal done through a qualified life settlement company.Beware of any individuals that want to buy your policy The Life Settlement industry has grown over the last six years to over a billion dollar industry through Institutional, Bank and Pension Funds.Policies should only be purchased by Institutional Trusts; NOT with individual money.
These Institutional Trusts are set up to be completely anonymous, where no one knows who owns the policies.

What to look for in a Life Settlement Company:
Seniors that are interested should deal with a firm that specializes in Life Settlements and does a complete analysis for the client in advance of the settlement process.
Make sure the firm you deal with does these things:

1. A preliminary value analysis before the formal appraisal
2. Runs a return on investment showing keeping vs. selling your life insurance
3. When the full appraisal is done the firm uses as many as 10 or more funders to bid on your policy
4. Shows you each Bid on a gross and net basis (meaning you see the total amount of each bid)
5. Never sell a policy within the first two years
6. Don’t be fooled‐Deal with a firm that will give you Professional references as well as Client references.