Settlements For Life Excels In Overcoming Market Challenges

Company heads into 2009 with new funding sources for life insurance policies and alternatives for premium financed policies; educates sellers on new market realities.

Memphis, TN (PRWEB) January 30, 2009 -- Settlements For Life, LLC announced today that after a difficult market for sellers in the last half of 2008, 2009 is seeing much improved market conditions. It also acknowledged that it has several new direct sources of funding for both traditional life settlement cases and for premium financed policies.

New Market Conditions - What To Expect

According to Company officials, the marketplace went through several adjustments in 2008 and sellers need to be aware of the new reality in terms of purchase prices for life insurance policies. According to a Company representative, "We used to tell our clients that the national average sale price of a policy was about 23% of face. Today, buyers' parameters have been adjusted for lower life expectancies, coupled with a higher desired rate of return on their purchase. This results in markedly lower prices being paid for policies. Today, one might see between 5% to 8% of face for his/her policy, with 14% or 15% considered a great deal." Pricing depends on various factors such as premium to face ratio, life expectancy and other factors. "The best thing to do is give us a call to review your case," says David Pryor, National Sales Manager.

About Settlements For Life

Founded in 2003 by a CPA with 25 years of public practice experience, Settlements For Life, LLC is one of the most experienced brokers in the life settlement industry. As a leader among national life settlement brokers, Settlements For Life is often the first choice when it comes to managing a senior client's life settlement needs. This is due to their reputation for integrity, transparency and diligence in representing the client's interests. Senior Settlements, Senior Life Settlements, Life Settlements and Viatical Settlements are all synonymous terms used to describe the transactions SFL brokers.

For more information on life settlements, contact David Pryor or a representative at Settlements For Life:

Phone: 901-683-5558

Email: info@settlementsforlife.com

Case Submission: cases@settlementsforlife.com

Web: http://www.settlementsforlife.com

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Changing Life Settlement Market Requires Expertise

Changes in mortality calculations and tight capital have severely impacted the life settlement market. In such times it takes an experienced life settlement broker such as Settlements For Life to get sellers the most cash for their life insurance policies. Settlements For Life has been in business since 2003 and is one of the oldest brokers in the business. Settlements For Life models each case internally and has unique sources to get you cash for your policies. Many buyers and brokers have fallen out of the market in this difficult economy. Settlements For Life remains a dominant force in the life settlement market. We understand the changing marketplace and will let you know what to expect.

Call 901.683.5558 or visit http://www.settlementsforlife.com/
Contact us by email info@settlementsforlife.com

Life Settlements Continue During Economic Turbulence

FOR IMMEDIATE RELEASE

Settlements For Life Continues To Broker Policies Despite Economic Turbulence.

Small Face and Term Policy Bail Out Programs Work Well For Clients

Memphis, TN (PRWEB) November 7, 2008 -- www.settlementsforlife.com [Settlements For Life, LLC], one of the oldest and most experienced www.settlementsforlife.com [Life Settlement] brokers in the industry, announced today that they have continued to maintain purchasing entities buying life insurance policies. Despite tough economic times, and drastic changes in mortality tables, the company continues to broker life insurance policies but warns changes in rates are currently in effect.
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www.settlementsforlife.com [SFL] has had great success and overwhelming response from agents and consumers with small face life insurance policies (100K-1MM), and convertible term policies of any amount (for ages 56-70). In most but not all cases, Settlements For Life can get term policy owners all of their paid-in premium back.

"Agents have to understand that policies are not going to sell for the price they once were back in the beginning of '08," Comments Daniel Katz, President of Settlements For Life. "It is our responsibility to make sure every policy is shopped thoroughly and to all buyers. Our agents should know what to expect so they can advise their clients in the right direction."

SFL specializes in pricing life insurance policies prior to entering into the secondary market to project a realistic price for the policy owner and a fair commission for the agent. In today's environment, however, some buyers will not purchase policies less than 30 to 36 months old.

During tough economic times agents need to rely on a broker that has current industry knowledge and is up to date with the most responsive buyers and purchasing programs. The agent must also be aware of the changes that are occurring in today's market such as mortality increase and buyer availability. SFL's knowledge helps agents become aware of changes in the market and lets them know exactly what to expect.

About Settlements For Life
Founded in 2003 by a CPA with 25 years professional experience, Settlements For Life has seen the market in the best and the worst of times. Even during these challenging economic times, SFL can always be counted on to negotiate the highest settlement offer available to the client.

Settlements For Life is now offering a new term program which accepts younger insureds ages 56 and older.

For more information on this new program or other life settlement programs, contact Mr. Katz at Settlements For Life:

Phone: 901-683-5558
Email: info@settlementsforlife.com
Web: www.settlementsforlife.com

Settlements For Life Continues Extending Licensing Program To Additional States

Memphis, TN (PRWEB) November 30, 2007 -- Settlements For Life, one of the industry leaders and most experienced life settlements companies in the nation, continues to extend it's regulatory licenses. The company is now licensed or doing business in most states. Licensing for a few remaining states is in process and should be complete by year-end."We are excited about our recent expansion program and look forward to servicing these states." Says, Daniel Katz, President of Settlements For Life, "We are a young and aggressive company that continues to grow and we are very proud of that." Says Mr. Katz.The extended licensing program is proof of Settlements For Life's continued rapid growth and it's solid reputation in the industry. Settlements For Life-Focuses on Servicing It's Clients To Meet Their Specific Needs In addition to working with individuals who have policies, Settlements For Life also works with insurance agents, financial advisers, broker dealers, CPA's and attorneys who are looking out in the best interest of their senior clients. "As a broker, it's our responsibility to represent and look out for the best interest of the seller of the policy." Says Mr. Katz, "We submit the policy to a large number of "providers" or buyers of policies, creating an environment where competition for the policy drives the price up. We also use in-house modeling software to calculate an approximate policy value. This enables us to assure that policy buyer pay our clients top dollar for their policies."Settlements For life is one of the most experienced brokers in the life settlement industry. Based on it's reputation as a leader among financial professionals, they are often a first choice when it comes to managing senior client life settlement needs. Settlements For Life can always be counted on to negotiate the highest settlement offer available to the client. To receive more information about Life Settlements please contact Daniel Katz at Settlements For Life at 877-588-5558.###

Settlements For Life - Senior Life Settlement Broker Kicks Off 2007 With Their NEW National Ad Campaign

http://www.settlementsforlife.com/ads07/sfl.200701a.htm?gad=CJvukoYDEgjJpJz846LBuBjT-s7-AyCjzJAf

Joe Agent had a client with a life insurance policy he needed to sell.
Joe Needed the best available offer.
Joe's client wanted a lot of money for his policy.
Joe wanted someone else to handle of the work to get the deal done.
Joe called Settlements For Life, a top rated national life settlement broker.
Settlements For Life got Joe's client the cash he wanted and a large commission for Joe.

Settlements For Life, LLC in Memphis, TN kicks of 2007 with a NEW U.S. advertising campaign to emphasize that JOE has it easy and lets Settlements For Life (the experts) handle all of the work. Be sure to keep an eye out for Joe and learn his secret to making more money and having more free time.

Do you want to be like Joe?

CALL 877-588-5558 and learn more about the Life Enhancement Program at Settlements For Life. Send us an email to info@settlementsforlife.com and request more info.

Settlements For Life Names New President

Recently named president, Daniel Katz is the youngest Licensed Life Producer to hold such a prestigious position in the industry, today. Graduating with Honors and a degree in Business, Daniel joined the Settlements For Life team in 2005 and quickly rose to the position of Vice President of Operations and Investor Relations. Mr. Katz is an active supporter of various charities in the community. He is an avid sports enthusiast as well as a Certified Fitness Planner. His competitive drive and spirit are an inspiration to employees and clients alike. Daniel Katz has been involved in the settlement of hundreds of millions of dollars in life settlement cases and looks forward to steering the company past the one billion dollar mark.

SENIORS AND RETIREES HAVE MORE DEBT RELIEF OPTIONS!

I'VE FOUND OUT MORE ANOTHER GREAT USE FOR LIFE SETTLEMENTS!
It is very simple and I am astounded that more people don't use this as a financial solution in light of the rising costs of Senior Care, assisted living and senior bankruptcies.

Seniors on fixed incomes and facing bankruptcy now have more debt relief options. As debts rise, one asset that often lies dormant or is laid to rest when funds become tighter are life insurance policies for owned by seniors. Many states offer debtor protection for the life insurance policies.

YOUR POLICY CAN BE WORTH MORE!
In many cases, policyholders and insureds do not have to settle for the cash surrender value on their life insurance policies. They also have an alternative to letting a policy lapse because the premiums are too high.

Get more for the Life Settlement on your life insurance policy by letting
Settlements For Life EHANCE THE VALUE OF YOUR LIFE!

Why receive one offer when you can receive multiple offers with one phone call.

Email info@settlementforlife.com to get more cash now!

Call 877.588.5558 today!

VISIT OUR WEBSITE
WWW.SETTLEMENTSFORLIFE.COM