|
|
|
Free Insurance Quotes To Save You Money!
Whether you're looking for insurance quotes for auto, life, travel or health you can find some great rates on the internet. Insurance quotes coverage can provide peace of mind and also financial coverage in the event that something untoward happens....
Health Insurance Coverage
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40...
How Is Your Auto Insurance Policy Price Determined?
The average auto insurance policy price is derived from a variety of factors. Many of these variables are common knowledge and make sense for the most part but it’s always a good idea to refresh yourself with what insurance companies are looking for...
Student Health Insurance
Students often wonder if they really need health insurance. It seems like a reasonable question when you are young and healthy and seemingly invincible. After all, almost everyone who knows how to access the health care system is provided with basic...
The Traveller’s Insurance Checklist
Your trip is booked and all your reservations are made. The next thing on your "to do" list before you head off on that much deserved holiday is: Buy travel insurance. No doubt you have many questions that need answers before you can decide which...
|
|
| |
|
|
|
|
|
|
| 
Life Insurance Settlements-Capitalizing On Your Policies
Unneeded or underperforming life insurance policy holdings? Ever thought or heard of a financial services valuation tool and strategy called life insurance settlements? Well, if not, the capital markets certainly have heard and taken notice. Life Insurance Settlement companies purchase unwanted or un-needed life insurance policies from individuals and ultimately collect the death benefits. These payments are passed on to third-party institutional investors who are looking for returns that are not correlated with existing portfolios. A key component to this growth expectation is that business is conducted in a responsible manner. Poor sales practices by settlement firms could hamper growth and spark a new wave of litigation. At present, there is roughly $13 billion of total in force settlement business. While small compared to the $9 trillion of individual life business on the industry's books, the settlement market has grown about eight times faster than non-traditional life insurance. This growth rate differential will continue and could expand over the next few decades, which will draw more attention to the settlement business and senior life settlement in particular.
Here is a description of the dynamics at work and a little background detail about process:
.A life insurance settlement is a transaction in which policyholders sell the rights to the death benefits associated with their insurance policies to third party settlement companies. In other words, this process in effect creates a secondary market for life insurance products - like life insurance settlements. The typical market for these products includes individuals over the
age of 65 with life expectancies of 4-10 years. .A settlement firm, representing third-party investors, or better yet, an institutional funder, will provide a cash payment to the policyholder that exceeds the cash surrender value embedded in the policy. From that point on, the original policyholder will have no further involvement or association with the policy. .The life settlement firm will continue to make premium payments on the policy to the life insurer, until a death benefit is claimed. .The death benefit will be collected by the settlement company and passed on to third party investors, who are likely interested in returns that are not highly correlated with their other assets. (Source: Corporate reports and Bernstein Estimates)
A life insurance settlement, to summarize, is basically the sale of a life insurance policy at a price, higher than the cash surrender value. Many seniors are realizing the extraordinary benefits of unlocking the dormant asset value of life insurance, allowing them to better plan for their future through what is essentially newly-found money. Life insurance settlements are increasingly offering seniors viable options for their life insurance policies, and, as we are now seeing, more financial options can be rewarding indeed.
Life Insurance Settlement Experts http://www.life-settlementco.com
About the Author
Jon Thomas has been involved in finance and insurance, specializing in emerging growth markets since 1979. He continues to write articles concerning the public and their pressing financial concerns. Life insurance settlements
|
|
|
|
|
pet insurance
farmers insurance
homeowners insurance
term life insurance
cheap auto insurance
travel insurance
cheap car insurance
medical insurance
car insurance quotes
cheap insurance
motorcycle insurance
insurance sample cancellation letter
house insurance for llc's in oklahoma
affordable health insurance
american family insurance
fort bend county ''home insurance rates''
cheap health insurance
auto insurance quotes
title insurance
travelers insurance
business insurance
health insurance quotes
renters insurance
automobile insurance
17 year old car insurance
whole life insurance
individual health insurance
insurance company ratings
discount auto insurance
affordable auto insurance
unemployment insurance ontario
mail handlers insurance
texas insurance
low cost health insurance
top rated auto insurance companies in united states
employment insurance canada
cheap california auto insurance
usa insurance
an insurance policy with bodily injury coverage covers
average monthly cost for health insurance
disability insurance
car insurance for teenagers
why is car insurance so high for teenagers?
car insurance rates for teenagers
demo auto insurance
cheap car insurance for young driver
long term care insurance
how much is car insurance for a 16 year old?
farm insurance
florida insurance
Average cost of car insurance for a teenager
car insurance for woman
car insurance quote
insurance cost for 17 year old
individual dental insurance
mortgage insurance
glossary of insurance terms
mortgage protection insurance
budget car insurance
classic car insurance
california insurance
contractors insurance
Signup for free news, tips and special offers:
|