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.