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Life Settlements

Are you retired and stressing over money?

Don’t Worry – Be Happy – Life Settlement is the Solution to Your Financial Problems Stressing about money issues is familiar to most people. Many of us have experienced money or financial stress as we planned to save for the down payment on our first home, braces for our children’s teeth, or their college education. As we

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Life Settlements

Why You Should Consider a Life Settlement

Like your home or your car, your life insurance policy is your personal property and it can be sold through a life settlement. Many people are unaware that a life settlement is an option in addition to cancelling or surrendering your policy back to the insurance company. A life settlement is the sale by the owner of a life

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Life Settlements

How would you like more money for vacations?

According to a recent survey by AARP, retirees love to travel often. Many of the survey retirees indicated they would like to take more than one trip a year, with half of them planning an international trip. The survey results also showed that the majority of these trips have yet to be booked. The reason

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Life Settlements

The Holidays are Just Around the Corner

By Bob Larsen, Founder of Settlement Masters So many of our friends and clients use the last quarter of the year as a time to take a good look at their financial positions, and to do some year-end financial planning. Often, a portfolio contains an unwanted or underperforming life insurance policy. If that is the

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Life Settlements

Turning Age 100 is a Beautiful Milestone – Or Is It?

By Daryl Hable, Director of Operations at Settlement Masters The Wall Street Journal published an article in July 2017 about a gentleman celebrating his 100th birthday – certainly a beautiful milestone, but one that was overshadowed by the sad realization that his life insurance policies had reached their own milestones. You see, his life insurance

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Life Settlements

Alternatives To Lapsing A Life Insurance Policy

What are the alternatives to lapsing a life insurance policy? Learn about your alternatives before you decide to lapse your life insurance policy. More than 100 years ago, the U.S. Supreme Court ruled that life insurance is personal property. The importance of that decision means that you have the ability to sell your life insurance

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Life Settlements

Help Your Clients Unlock Their Hidden Asset

As you may know, the settlement industry has taken its front row seat in the insurance industry.  Currently, 43 states require insurance companies to inform the clients when they are going to drop or lapse a policy, that a settlement may be a good capital option for them.  My firm was established in 2008 and has set

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Life Settlements

Grandchildren’s Dreams Realized Today

As the grandfather to five boys, Bob Larsen unexpectedly discovered a way to help countless grandparents’ dreams come true. Ten years ago, Bob was working with a couple who had six grandchildren and very much wanted to make sure those grandchildren had a good chance in life by getting a college education. They had set

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Life Settlements

Life Settlements: Cash for Your Life Insurance Policy

Are you having difficulty keeping up premium payments on a life insurance policy, or do you no longer need the policy? Policyholders once had only two options: let the policy lapse or turn it in for a meager cash surrender value. Now there’s another, often vastly more lucrative alternative: sell the policy to a life

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Life Settlements

New Value in Old Policies: Life Settlements

Life settlements, also referred to as senior settlements, are the purchasing of existing life insurance policies of seniors over 65 for more than cash surrender value. There are now companies funded by institutional money whose sole business is purchasing these policies. Dropping or surrendering a policy with this option now available could be costly. Life

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Life Settlements

Out of favor, life settlements have boosters

Having come under regulatory scrutiny and paying sums lower than just a few years ago, life settlements have fallen out of favor with many financial advisers, but some say they can still be a good option for seniors who need income. In a life settlement, a policyholder is paid cash equal to a fraction of

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Life Settlements

Life Settlements: Morbid, Moral Dilemma or Lucrative Living Solution?

Warren Buffet. Just the name connotes financial success. Most Americans have a high-degree of respect and admiration for Mr. Buffet’s achievements. And many people would love to be able to acquire just one share of Buffet’s Berkshire Hathaway stock at the hefty price of $120,000. Few would argue that it is a good risk. It

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Life Settlements

Life settlements are a win-win for consumers and investors

Groundbreaking research shows secondary life insurance market benefits both Powerful new research based on a study of more than 9,000 life insurance policies, reveals that Americans who sold their unwanted life insurance policies, collectively received more than four times the amount they would have received had they surrendered them to their life insurance companies. The

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