Settlements For Life - Life Settlements & Viatical Settlements

SETTLEMENTS FOR LIFE ACCESSES NEW FUNDS FOR PURCHASE OF LIFE INSURANCE POLICIES

2012-01-11T09:31:00.001-06:00

Settlements For Life, brokering life insurance policies in the secondary market since 2003, has begun 2012 with vigor. New capital sources have translated into new selling opportunities for seniors who have life insurance policies they no longer need or want. Such policies can be sold on the secondary market in a life settlement or senior settlement transaction.

Since more competing funds are looking to buy policies we are beginning to see increases in the price a policyowner might get for their life insurance policy.

Seniors can explore selling their life insurance policies through a simple application process. The application process is free and Settlements For Life gathers all of the information necessary to get the highest bids available for a policy. In addition, a Settlements For Life representative will fly to the seller's location to assist with the signing and completion of sales contracts.

Work with a national life settlement broker trusted throughout the United States - Settlements For Life.

www.settlementsforlife.com

info@settlementsforlife.com

877-588-5558

Settlements For Life - Enhancing The Value Of Your Life

Settlements For Life - Life Settlement Broker - Reports Market Improvement

2011-05-18T12:13:00.003-05:00

The senior life settlements market is improving!

Per a major buyer that has just released first quarter 2011 statistics, bids for policies are up nearly 50%, bids being accepted have increased and the amount of life insurance policies submitted for evaluation have increased.

Whereas several years ago the average price for a senior life insurance policy averaged about 22% of the death benefit amount, the average price paid by one buyer was about 13% of death benfit amount. Most on life insurance policies between $1 million and $3 million face amount. Other buyers are still paying higher than 13%, depending on various factors.

The avreage age of insureds selling policies has increased to between 80 and 85 years old,with 81 being the actual average number. This is due to the increased life expectancies seen in the secondary market today.

The average life expectancy on purchased policies was between 7 and 10 years.

The market is showing interest by an increasing number of buyers. Settlements For Life just received an offer of $1 million on a $5 million life insurance policy, has successfuly sold other cases recently, and has more inventory to sell. Settlements For Life is a national life settlement broker and has been in business since 2003.

For more information about selling your policy or the policy of a client contact Settlements For Life. 877-588-5558. Email:info@settlementsforlife.com. http://www.settlementsforlife.com/

Agents Should Rely on Broker in Life Settlement Process

2011-01-12T13:30:00.000-06:00

During tough economic times agents in life settlements cases 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. Settlements For Life's knowledge and expertise help agents become aware of changes in the market and lets them know exactly what to expect.

Call Settlements For Life today.

Enhancing The Value Of Your Life
National Life Settlement Broker Since 2003

877-588-5558
www.settlementsforlife.com
info@settlementsforlife.com

Mortality Calculations Stabilize | Better Life Settlement Pricing For Consumers

2011-01-06T13:58:00.002-06:00

Toward the end of 2008 life insurance policy owners were virtually unable to sell their life insurance policies because of a change in the way mortality was calculated for policy buyers (Life Settlement Provider Companies.) Since that time many adjustments have taken place in the market and banks, hedge funds and other buyers of and investors in life insurance policies have been somewhat squeamish. Now that mortality calculations have stabilized the market is seeing an increased interest by investors in re-entering the life settlement market.

Where’s The Money?

2010 was a quiet year for the life settlement business and seniors wanting to sell their policies were stuck in a buyer’s market and either did not sell their policies or sold them for less than the 23% of face average buyers were accustomed to seeing in 2008 before the market adjustment. The money is back! As more buyers re-enter the market the prices paid for policies should increase in 2011. While still early in the year and it is still a buyer’s market, more investment demand will create higher pricing for policies and life insurance policy owners will once again feel like they can get value from the sale of their policies on the secondary market.

What If I Want To Sell My Policy?

To get the most value from your life insurance policy call a qualified, experienced and licensed life settlement broker. The broker will guide you through the simple process.

By: Ronnie Katz, CPA
Settlements For Life, LLC
http://www.settlementsforlife.com/

What Kind Of Life Insurance Policies Qualify For A Life Settlement?

2011-01-05T16:26:00.000-06:00

Universal Life, Whole Life, Term Life and in some cases Survivorship and Variable policies can qualify for a sale to get one the cash they need from a policy they no longer need or want.

Typically, in today’s market buyers are looking for the following:

· Insureds 65 years old and older

· Face amounts (death benefit) between $100,000 and $30,000,000

· Premium amounts of 5% per year of face amount

· Usually, and depending on age, the insured must have had some health issues since the life insurance policy was issued

Submit your case to see if you qualify - http://settlementsforlife.com/cons_submit.htm

There are many factors that make a policy attractive to a buyer. Using a viatical settlement broker is the best way to determine if your life insurance policy has potential value on the secondary market or life settlement market.

An experienced life settlement or viatical broker will guide you through the process and make sure buyers pay you what your policy is worth.

Please call Settlements For Life today to discuss how we may help you sell your policy.

Settlements For Life

Enhancing The Value Of Your Life

National Life Settlement Broker Since 2003

877-588-5558

www.settlementsforlife.com

info@settlementsforlife.com

Can I Sell My Term Life Insurance Policy?

2011-01-04T11:40:00.002-06:00

As a life settlement broker we are asked by clients if they can sell their term life insurance policies on the secondary market. The answer is Yes. Selling a term life insurance policy is a great idea for a policy owner who no longer needs or wants the policy and is inclined to let it lapse. Letting the policy lapse is a bad option because there is no cash value in the policy. All of the premiums invested in the policy are gone. You can sell your term life insurance policy, possibly for a significant amount of cash. The term policy must be convertible to a whole life or universal life policy.

Call Settlements For Life for more information.

Settlements For Life

Enhancing The Value Of Your Life

877-588-5558
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National Life Settlement Broker Since 2003

New Year Resolution - Evaluate Your Current Life Insurance Needs

2010-12-31T13:34:00.001-06:00

As we enter 2011 this is a good time to evaluate your life insurance needs. Ask yourself:

Do I have more life insurance than I need?
Is my life insurance coverage affordable?
What happens if I cash in my life insurance policy?
Are there any other options?
Where can I find more information? Right here - http://settlementsforlife.com/cons_individuals.htm

If you purchased life insurnace to help pay estate taxes you could very well have too much life insurance considering the new Federal Estate Tax Exemption of $5,000,000. Or, you kids could be grown and do not need the death benefit. Or, economic times are tough now and the premium might not be affordable.

A life settlement or viatical settlement could accomplish several financial goals for you. A life settlement:

Can eliminate the need to pay costly life insurance premiums.
Can give you significantly more cash than if you cash in your policy cash surrender value.
Can give you immediate cash you need for bills, long term care, or to invest for future use.

Call Settlements For Life today to discuss your options. In some cases we'll advise you to sell your policy and in many cases we'll tell you why you should keep your existing coverage. We can also refer you to competent insurance professionals who can evaluate your needs and possibly provide you with newer coverage that better fits your budget and financial plan.

Call Settlements For Life 877-588-5558
http://www.settlementsforlife.com/
info@settlementsforlife.com

HAPPY NEW YEAR!

Ronnie Katz, CPA
President

Life Insurers Must Notify About Life Settlement Option Under NCOIL Model

2010-12-27T12:02:00.001-06:00

NCOIL (The National Conference of Insurance Legislators) has adopted a model that requires insurance carriers to inform life insurance policy holders that selling one's life insurance policy can be a viable alternative to surrendering one's policy.

Consumers/life insurance policy owners will benefit from the new NCOIL model because in most cases one can get more cash by selling their policy in a life settlement transaction than if they just surrender their policy for cash value. Selling one's policy is already a very popular concept and a valuable tool for those 65 and older who have life insurance policies but no longer need or want them. In addition, most states have approved the life settlement process by passing laws which give policy owners protections during the process.

The NCOIL Model requires insurance carriers to notify policy holders over age 60, or who are terminally ill, that they have alternatives. Alternatives include selling a policy on the secondary market.

For more information about selling your life insurance for cash now, rather than taking less from the insurance carrier, call a representative at Settlements For Life. Settlements For Life is licensed in most states and has been a national life settlement broker and viatical broker since 2003. Settlements For Life is regarded as one of the most experienced and trusted names in the life settlement business.

We work direct with life insurance policy owners and financial advisors to get the most cash for a life insurance policy.

Settlements For Life
Enhancing The Value Of Your Life
http://www.settlementsforlife.com/
info@settlementsforlife.com

877-588-5558

ESTATE TAX EXEMPTION INCREASE - SELL UNNEEDED LIFE INSURANCE

2010-12-22T14:15:00.002-06:00

With the Federal Estate Tax Exemption increasing to $5 million, many seniors will no longer have a need for expensive life insurance they might have anticipated using to pay estate taxes.

A life settlement can be the perfect tool to sell off unneeded life insurance rather than lapse the policy for little or no cash value. Life insurance is a valuable planning tool and if you've had a policy over a period of years it is likely you have paid substantial dollars into the policy. There is no need to settle for cash value when the secondary market, or life settlement market, can yield you many times more than the cash value of your life insurance policy.

A life settlement, also referred to as a viatical settlement or senior life settlement, is the sale of an unneeded or unwanted life insurance policy by the policy owner. Life settlements are completely legal and the process is licensed by most states.

Settlements For Life recenlty represented a policy owner in his 80's, worth several hundred million dollars, who had $4 million of life insurance he simply did not need. We were able to get the client $1 million for his policies. The cash value of the policies was zero. We assisted our client in turning an otherwise worthless asset into $1 million.

Call us today to discuss how we can make you $1 million or simply represent you in the sale of your life insurance policy.

Settlements For Life
Enhancing The Value Of Your Life

877-588-5558

http://www.settlementsforlife.com/
info@settlementsforlife.com

SELL YOUR LIFE INSURANCE POLICY - DON'T SURRENDER IT

2010-12-21T11:42:00.004-06:00

You have a legal right to sell your life insurance policy! Yes, selling your policy is legal and there are laws to protect you in most states.

In difficult financial times seniors looking for additional sources of cash should look to their life insurance policies. If the death benefit is no longer needed because one’s heirs will no longer need the death benefit or one’s estate tax situation has changed, why continue to pay potentially costly premiums?

One might receive many times the cash value that a life insurance company would pay if a life insurance policy is surrendered.

Visit our web site for more information on why you would sell a life insurance policy and how to start the process. Then call us so we can assist you in getting the cash you need now.

Settlements For Life’s President and Founder is a CPA with years of experience in the life insurance and life settlement markets. You can count on Settlements For Life to provide you with TIP – Trust, Integrity and Performance in the implementation of our Life Enhancement Program.

Call us right now!

Settlements For Life, LLC
Enhancing The Value Of Your Life

877-588-5558

http://www.settlementsforlife.com/

mailto:info@settlementsforlife.com

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Yes You Can Sell Your Life Insurance Policy!

2010-12-16T14:19:00.003-06:00

A life settlement can be the perfect way to get cash one needs from an asset that is no longer needed or wanted; a life insurance policy.

It is perfectly legal for one to sell their life insurance policy and as a consumer most states have licensing requirements and laws that provide protection to consumers in a senior settlement transaction.

A few things a consumer should consider are:

· It might be possible to get significant cash from the sale of one’s life insurance policy; and in many cases multiple times more than one could get from cashing in their policy and letting their policy lapse.

· Life insurance carriers, in most cases, do not advise, or let their agents advise a consumer that a life settlement, or sale of one’s policy might be a good alternative to cashing in one’s policy.

· A life settlement transaction is completely safe. Reputable buyers deal only with institutional funds and servicing agents. In most cases the actual buyer and new owner of a policy never actually knows whose life insurance policy they own.

It’s ok – if you no longer need or want your life insurance policy, check with a reputable life settlement broker like Settlements For Life to discuss your options. At Settlements For Life you can discuss your options with our President and Founder, Ronnie Katz, a CPA, to see if the sale of your life insurance policy is right for you.

Call us today! 877.588.5558 No Obligation, No Application Fees

SETTLEMENTS FOR LIFE

ENHANCING THE VALUE OF YOUR LIFE

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National Life Settlement Broker Since 2003

Life Settlement Basics

2010-12-15T14:47:00.004-06:00

What’s all the fuss about? Selling a life insurance policy is something that is good for consumers, if a need exists. Typical reasons for selling a life insurance policy include:

• The policy owner can no longer afford the premiums

• The policy owner no longer needs the death benefit

• The policy owner needs cash now

In many cases when a policy is no longer needed or wanted, the policy owner will take the cash value of the policy and let a policy lapse. But why just let a policy lapse when the policy might be sold in the life insurance settlement market for significantly more cash than the cash value.

Most states now have laws regulating the sale of life insurance policies on the secondary market, and require brokers, such as Settlements For Life, and buyer, to be duly licensed and compliant throughout the purchase process. This protects the consumer in many ways. If you are a consumer selling your policy you can feel comfortable that:

• All information you provide remains confidential, is compliant with HIPAA laws and remains secure.

• When dealing with reputable brokers, you can be sure that the ultimate owner of your policy will be a bank, fund or institution, not an individual or group of individuals.

• You will receive all of your money due you in the transaction, as escrow agents are used to make sure you are paid and that the transfer of your policy takes place in a timely manner.

Insurance companies will have you believe that life settlements are bad, that the people involved in life settlement transactions have reputational deficiencies and that one might be cheated in a life settlement transaction. This is simply an untruth and does not serve you, as a consumer, in getting the most value out of an asset you have the legal right to sell.

Life settlements are legal.

Professionals who deal in life settlements are licensed where required.

And, like in any business – do research before dealing with a specific company.

Call Settlements For Life for more information about how you can get the cash you need from your life insurance policy.

Settlements For Life, LLC Professional National Broker Since 2003

Enhancing The Value Of Your Life

877-588-5558

http://www.settlementsforlife.com/

info@settlementsforlife.com

Why Use A Life Settlement Broker?

2010-12-14T14:45:00.006-06:00

As a Viator or life insurance policy owner, you naturally want to maximize the value of your life insurance policy. If you are in the market to sell your existing life insurance policy you should use an experienced Life Settlement Broker, or Viatical Broker to assist you in the sale of the policy. Experienced Life Settlement Brokers:

· Will evaluate your policy and let you know whether it is viable to sell your policy.
· Know what current market conditions are.
· Model and price your policy internally in order to make you aware of the approximate market value.
· Know which buyers to send your policy to. Buyers have various parameters and good brokers know where to send your case in order to get the best possible price.
· Are familiar with state laws and licensing requirements pertaining to your policy sale

Life Settlement Brokers also play an important role in selling your policy by shopping to more than one buyer, sometimes creating competition for a policy, thereby raising its price. The policy seller normally will benefit more when using a broker than when submitting direct to one buyer.

For more information about selling your life insurance policy and Settlements For Life’s Life Enhancement Program please contact us.

Settlements For Life, LLC
Enhancing The Value Of Your Life
877-588-5558

http://www.settlementsforlife.com/
info@settlementsforlife.com

Life Expectancy Drops? Not For the Life Settlement Industry

2010-12-10T08:03:00.004-06:00

Amazing - according to the below Associated Press article average life expectancy in the U.S. is down a notch. Men are living to an average of 75 and woman to an average of 80.

According to life settlement industry life expectancy companies practically everyone is living to age 95. What can we do about this as an industry? Seems this is not in the best interest of our clientelle, the consumer wanting to sell their policies for a fair and honest price.

Life expectancy slips, stroke dips to No. 4 killer
(AP) – 20 hours ago

NEW YORK (AP) — U.S. life expectancy has dropped slightly — by about a month — after mostly inching up for many years, the government reported Thursday.

The preliminary report indicates that a baby born in 2008 can expect to live to 77.8 years if current trends continue. That's down a bit from an all-time high of 77.9 years for 2007. A similar dip occurred in 2005, and life expectancy also dropped in 1993.

The lead author of the report, Arialdi Minino, called the 2008 change minuscule and said it would take years of data to determine if that's a trend.

Life expectancy was down for both men and women. The gap between blacks and whites closed a little, to a 4.6-year difference in life expectancy; black men for the first time topped 70 years. Overall, women continue to live longer, until about 80, compared to 75 for men.

What's behind the slip in overall life expectancy isn't known.

"It's something to keep our eyes on," said Ken Thorpe, a health policy professor at Emory University in Atlanta. He suggested it could be related to rising obesity rates.

The report was released Thursday by the National Center for Health Statistics, which is part of the Centers for Disease Control and Prevention in Atlanta. It's based on nearly all the death certificates for that year; a final report will be issued later.

"2008 was not much different from 2007," said Minino. "Once you look under the hood, and look at the trends and the causes, you do find differences. But overall, it wasn't that different."

Life expectancy figures for Hispanics have not been included in the annual reports because of unreliable data. In October, the CDC released its first-ever calculation for Hispanics, which showed that those born in 2006 could expect to outlive whites by more than two years and blacks by more than seven.

In other highlights from the 2008 report:

— Stroke fell from the No. 3 leading cause of death for the first time in five decades. It was surpassed by chronic lower respiratory diseases, which include asthma, emphysema and chronic bronchitis. While the death rate from stroke dropped by 4 percent, the swap in position may be due in part to changes in the definition of the respiratory disease category, which increased 8 percent.

— The age-adjusted death rate fell for the ninth year in a row, to a low of about 759 deaths per 100,000 people. The number of deaths increased by more than 49,300 to about 2.5 million deaths in 2008.

— Death rates declined for six of the 15 leading causes of death: heart disease, cancer, stroke, diabetes, homicide and accidents. In addition to chronic lower respiratory diseases, death rates went up for Alzheimer's disease, flu and pneumonia, high blood pressure, suicide and kidney disease.

— Heart disease and cancer continue to be the two top killers, accounting for about half of all deaths.

— The infant mortality rate, which has been at about the same level for years, dropped about 2 percent to a record low of 6.59 deaths per 1,000 births. The rate for black infants is about twice that of whites. Birth defects, prematurity and low birthweight are the leading causes.

"Infant mortality is going in the right direction, although the differential between blacks and whites is still too high," said Thorpe.

The president of the American Heart Association, Dr. Ralph Sacco, said the group was "heartened to see a continuing decrease in stroke mortality." In a statement, he attributed the drop to better prevention, the increased use of clot-busting drugs in stroke patients and medications to prevent more strokes.

On the Net:
■Report: http://www.cdc.gov/NCHS/
Copyright © 2010 The Associated Press. All rights reserved.

For More Information About Life Settlements Call

Settlements For Life
Enhancing The Value Of Your Life
877-588-5558
http://www.settlementsforlife.com/
info@settlementsforlife.com

Life Settlements – What Is A “Good Policy”?

2010-12-09T16:05:00.003-06:00

Many seniors are looking to sell their life insurance policies that they no longer need or want. In some cases policies are no longer affordable and policy owners would prefer to have cash now for their policies. How does one know if their policy is a saleable asset? Below are a few current parameters in which one’s policy should fall to attract today’s buyers. There is no guarantee that one’s policy will be sold.
• Age 65 and older – this is a function not only of age, but one’s estimated life expectancy. Life expectancy is estimated by reviewing the insured’s medical records.
• Life expectancy of 15 years and less – most buyers today are looking for policy owners with life expectancies of 10 years or less, but there are some exceptions.
• Policies written by life insurance companies with good ratings – typically B+ rating an better
• Reasonable life insurance premium relative to the death benefit – this is typically 5% annually of death benefit or less.
• Face amounts between $50,000 and $40,000,000
In some cases buyers will consider policies that have been premium financed. When considering a sale of your life insurance policy you should consult with your financial advisor to make sure a sale is right for you. Then call a professional life settlement broker to handle your senior settlement.
Does your life insurance policy qualify for a sale? Ask a qualified professional at Settlements For Life today!

Settlements For Life
Enhancing The Value Of Your Life
www.settlementsforlife.com
info@settlementsforlife.com
877-588-5558

Professional Broker Since 2003
Licensed in Most States

Life Insurance Policy Sellers Beware

2010-12-08T12:01:00.001-06:00

Consumers selling their life insurance policies should make sure they get the most value from their policies. Following is a partial list consumers should follow to be sure they are properly guided and paid in a senior life settlement transaction:

• Deal with a Life Settlement Broker, also known as a Viatical Broker or Senior Life Settlement Broker. Using a broker will guarantee that you get the most cash available for your policy. Brokers will shop your case to many buyers suited for your policy. Brokers can calculate the approximate value of your life insurance policy. Going direct to a buyer, in some cases, results in a seller accepting a sale under the actual market price.

• Make sure your Life Settlement Broker is well established and maintains a real office. Make sure to deal with individuals who are easily identified as being established. Make sure your broker has a real company email address. Make sure your broker has a real functioning web site on which information about the Company is readily available.

• Search the web and make sure you find information about the broker, including Company personnel. Reputable Life Settlement Brokers will be easily found in a search. Professionals will often be quoted in industry articles and magazines.

• Your Life Settlement Broker must be licensed to do business in most states. Check state web sites to make sure they are in fact licensed, or ask them to show you a copy of their license.

• Fill out a complete application provided by your broker and have a clear understanding of what your broker will be compensated for when representing you in a sale.

• Have your broker explain the complete process and expected timeline from the time of application until you get paid.

• Ask your broker to provide you with all required disclosures required by state law.

• Understand your options and alternatives to selling your life insurance policy.

• Make sure a reputable and established buyer buys your policy. Institutional investors, banks and hedge funds will provide the most professional and confidential handling of your information.

• Do not sell to an individual buyer unless you are well informed about the buyer and you are sure it is legal to do so in your state.

• Call Settlements For Life, broker since 2003, to assist you with the sale of your policy. Settlements For Life was founded by a CPA and provides professional, personalized and confidential service to each of its clients.

To find out more about Settlements For Life’s services, please contact a representative at:

Phone: 877.588.5558
Visit Our Website
Email us

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Settlements For Life Sees Market Improvement

2010-12-07T13:26:00.003-06:00

Life Settlement Broker Since 2003 Bullish on Future Life Settlements

Memphis, TN, December 7, 2010 – Settlements For Life sees expanded secondary market and new capital sources; looks forward to better sales in 2011.

Settlements For Life announced today that it is gearing up for an increase in volume for the 2011 calendar year. According to Ronnie Katz, CPA, Company President, “After a difficult year of market and price adjustments both capital and consumers are becoming more comfortable with policy pricing and potential yields.” Katz believes that the adjustment has forced the opportunists out of the brokerage arena. Katz said, “The market adjustment, along with much needed regulation, has forced out of the market the brokers operating just from their cars and cell phones. The more professional and well established brokers, such as Settlements For Life, and others with many years of experience, are prevailing in offering honest and reliable services to life insurance policy sellers.”

Katz has been encouraged recently by the more numerous offers Settlements For Life has been receiving for life insurance policies of varying face amounts, from $100,000 to $30,000,000, and believes 2011 will be a good year for the sale of existing policies, if a need exists. In addition, a recent publication about provider company best practices has recognized that it is preferable to use a life settlement broker as an intermediary in a life settlement transaction. Katz agrees. "Life settlement brokers will be all the more important in driving the future market, as brokers are regarded as the single best source to represent sellers to assure correct market pricing of their policies."

About Settlements For Life
Since its inception in 2003, Settlements For Life, a national broker licensed in most states, has seen several billion dollars of life insurance policies and portfolios and has developed a reputation as one of the top and most trusted life settlement brokers in the secondary market. Throughout the United States, trusted advisers, insurance agents, CPA’s, attorneys and portfolio owners turn to Settlements For Life to handle the sale of life insurance policies for them and their clients.
Settlements For Life assists life insurance policy owners and their advisors in the sale of policies no longer needed or wanted. Settlements For Life helps its clients maximize their value using its experience and modeling software to assure buyers pay the best price possible for a life insurance policy.

To speak to a representative or to find out more about Settlements For Life’s services, please contact Settlements For Life at:

Phone: 877.588.5558
Visit Our Website
Email us

Settlements For Life
Life Settlements Broker Since 2003

Life Settlement Industry Opposes Tennessee Rule Proposal

2010-11-29T14:02:00.003-06:00

Settlement Industry Opposes Tennessee Rule Proposal, ACLI Supports itPosted November 11, 2010 9:29AM PST

Reported by The Life Settlement Wire
A life settlement industry representative testified yesterday in opposition to rules regulating life settlement transactions proposed by the Tennessee Department of Commerce and Insurance.
A key point of contention is a recommendation to enact a five-year waiting period before new policies can be sold, which the settlement industry contends exceeds the scope of a state law passed last year.
Michael Freedman, senior vice president for government affairs for provider Coventry First, spoke in opposition to the rules, representing the Life Insurance Settlement Association, Life Settlement Institute and Institutional Life Markets Association.
The trade groups say that the amendments exceed the department's authority in several areas, including the advertising and stranger-originated life insurance definitions, the examination of providers and brokers language, the provider and broker reporting requirements and restrictions on settlements within five years of policy issuance.
Michael Lovendusky, vice president of the American Council of Life Insurers, representing major carriers, spoke in support of the five-year waiting period.
"The moratorium, which is based on the NAIC model, targets policies that have the characteristics of STOLI. It does not affect policy owners who (a) purchased life insurance with their own funds or (b) need to settle their policies because of significant changes in their lives, such as health, divorce or the death of the intended beneficiary," said Steven Brostoff, a spokesman for ACLI, in an email.
ACLI believes the proposal fits within the parameters of the law, Brostoff said.
Christopher Garrett, an insurance department spokesman, said in an email that the department has the authority to make rules to clarify a law within its purview.
"The amendments aim to require use of the National Association of Insurance Commissioners' uniform reporting forms for viatical settlement producers and brokers; to provide a uniform brochure for consumer education; and to strengthen regulatory tools aimed at protecting consumers in Tennessee from the practice of Stranger Originated Life Insurance," he said.
The department is giving the public two more weeks to comment and then will file the proposed rules with the Secretary of State's Office, Garrett said.

For more information on this news update and life settlements in general, please contact Settlements For Life at:

Phone: 877.588.5558
Visit Our Website
Email us

Settlements For Life
Life Settlements Broker Since 2003
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About Settlements For Life
Since its inception in 2003, Settlements For Life has seen hundreds of millions of dollars of life insurance policies and has developed a reputation as one of the top and most trusted life settlement brokers in the secondary market.

Settlements For Life assists life insurance policy owners and their advisors in the sale of policies no longer needed or wanted. Settlements For Life helps its clients maximize their value using their experience and modeling software to assure buyers pay the best price possible for a life insurance policy.

Get Cash Now

2010-10-04T14:38:00.000-05:00

Whether you have life insurance in a life insurance trust, a family trust, a charitable remainder trust or any other type of trust vehicle, a Life Settlement could help accomplish trust goals and fund beneficiary needs.

•The insured has outlived his/her heirs.
•The goals of the trust have changed and the insurance is no longer necessary.
•Premium payments are no longer affordable or the trustee is not interested in paying premiums to keep the policy in force.
•The policy was purchased several years ago and is not performing as expected and the trustee needs to replace the insurance.
•The trust has a policy that might lapse sooner than expected and needs to be sold and replaced with new insurance.
•The estate size has decreased or tax laws have changed, reducing the amount of insurance required to pay projected estate taxes.
What will the Trust do with the cash? The Trust might use the cash as follows:

•Disburse cash to accomplish other goals of the trust.
•Invest cash to fund other goals of the trust.
•Purchase a new paid up life insurance policy.
•Pay for long-term care or assisted living for the trust beneficiary.
•Fulfill charitable giving plan.

To speak to a representative or to find out more information on Settlements For Life’s services, please contact a representative at:

Phone: 877.588.5558
Visit Our Website
Email us

Settlements For Life
Life Settlements Broker Since 2003
###

About Settlements For Life
Since its inception in 2003, Settlements For Life has seen hundreds of millions of dollars of life insurance policies and has developed a reputation as one of the top and most trusted life settlement brokers in the secondary market.

Settlements For Life assists life insurance policy owners and their advisors in the sale of policies no longer needed or wanted. Settlements For Life helps its clients maximize their value using their experience and modeling software to assure buyers pay the best price possible for a life insurance policy.

Settlements For Life Excels in Life Settlement Market

2010-05-11T13:26:00.001-05:00

Settlements For Life Excels in Life Settlement Market
Life Settlement Broker Since 2003 Has Top Year in 2009, Business Thrives Due To Honest Approach to Agents and Life Insurance Policy Owners

Memphis, TN, May 5, 2010 – Settlements For Life (SFL) announced today that it recorded 2009 as its best year since its inception in 2003. Ronnie Katz, CPA, Company President, commented, “We find that as other life settlement brokers have gone out of business, we have done well and held our own.”

SFL reviews and analyzes case data that comes in, makes sure it is in proper order and models it. Special care is given to each and every case to see if pricing can be improved. Often, SFL can improve life insurance illustrations and obtain higher bids by carefully examining all pertinent medical and life expectancy information to determine if the data best reflects the insured’s condition. Case data is carefully packaged and presented to buyers in a form that buyers need to make quick, satisfactory offers.

According to Katz, “Our clients know they can trust us to get them a good price for their life insurance policies. We’ve been able to sell policies for our clients that others could not because buyers also know we have integrity and they like working cases with us.” Settlements For Life reviewed and closed more cases in 2009 than in any previous year. 2010 business to date has been robust.

In early 2009 Settlements For Life implemented its new proprietary software system, which makes for greater efficiency in working a large volume of cases. “Technology is key and we hope to be making a major technology announcement in the coming months,” according to Katz.

About Settlements For Life
Since its inception in 2003, Settlements For Life has seen hundreds of millions of dollars of life insurance policies and has developed a reputation as one of the top and most trusted life settlement brokers in the secondary market.

Settlements For Life assists life insurance policy owners and their advisors in the sale of policies no longer needed or wanted. Settlements For Life helps its clients maximize their value using their experience and modeling software to assure buyers pay the best price possible for a life insurance policy.

To speak to a representative or to find out more information on Settlements For Life’s services, please contact a representative at:

Phone: 877.588.5558
Visit Our Website
Email us

Settlements For Life
Life Settlements Broker Since 2003
###

Charities Benefit From Life Settlements

2010-04-29T13:23:00.001-05:00

•Sell existing Life Insurance policies currently held in endowment and other funds to produce cash and forego the payment of costly premiums.

•Produce cash from policies that might lapse soon because of poor performance or because the charity cannot afford to pay the premiums.

•Campaign for donors to contribute policies appraised through the Life Settlement process - they get larger tax deduction - charity gets instant cash.

Settlements For Life,LLC will evaluate your life insurance policy and see how you or your charity can benefit from donating a policy to charity and having the charity sell the policy on the secondary market.

Call Settlements For Life today at 877.588.5558
Visit Our Website
Email us

Settlements For Life
Life Settlements Broker Since 2003

Life Settlements And Eldercare

2010-03-22T13:35:00.003-05:00

Whether you are an Eldercare Professional involved with:

•Eldercare Planning;
•Long-term Care Insurance;
•Senior Residential Communities;
•Assisted Living Facilities;
•Continuing Care Facilities;
•Nursing Homes, or
•Home Health Agencies,

your clients will benefit from your knowledge and advice in your recommending a Life Settlement.

Call Settlements For Life 877.588.5558
Visit Our Website
Email us

Settlements For Life
Life Settlements Broker Since 2003

Feature: Execs react to Goldman shuttering its settlement unit - Life Settlements - Life and Health Insurance News

2010-02-08T09:19:00.002-06:00

Ronnie Katz, CPA, President of Settlements For Life is quoted -
Feature: Execs react to Goldman shuttering its settlement unit - Life Settlements - Life and Health Insurance News

Posted using ShareThis

Settlements For Life Excels In Overcoming Market Challenges

2009-01-30T09:20:00.002-06:00

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

###

Changing Life Settlement Market Requires Expertise

2008-12-25T14:53:00.001-06:00

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

2008-11-07T12:13:00.000-06:00

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

2007-12-05T09:35:00.000-06:00

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

2007-01-03T16:20:00.000-06:00

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

2006-09-12T17:00:00.000-05:00

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!

2006-08-31T08:35:00.000-05:00

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

Do you qualify for a Senior Life Settlement?

2006-08-30T13:35:00.000-05:00

Did you know that you earn more for your Life Settlement on your life insurance policy by letting Settlements For Life be your broker? Why receive one offer when you can receive multiple offers with one phone call.

Email info@settlementsforlife.com earn more now!

Call 877.588.5558 today!

DO YOU KNOW WHAT YOU ARE MISSING?

2006-08-16T10:54:00.000-05:00

A FAMOUS PHILOSOPHER ONCE SAID...

"Don't let your special character and values, the secret that you know and no one else does, the truth - don't let that get swallowed up by the great chewing complacency." Aesop

The life insurance industry is replete with new marketing ideas, products, illustrations, offers, advertising...etc.

All products were designed to allow individuals to manage a portion of the risks inherent in life. However, all of that risk is designed to payoff in the event of a sudden unfortunate event. By the time an individual reaches their senior years, premiums become exorbitant and policies thus lapse just for the sole reason that the individual refuses to pay the more expensive premium.

Life Settlements is an valueable option for consumers. Their ability to recoup some of that risk protection paid out over the years and the ability to put it to a other uses is of an immeasurable value. It comes at a time in their lives when they often need it most. Its a proven fact that life changes and so do insurance needs. The insured's original needs may have changed in a number of areas such as...

Estate Planning
Financial Needs
Long Term Care / LTC
Business Buy/Sell Agreements
Divorce Settlements
Charitable Giving /
Institutional Endowments
Retirement
Annuity Funding

Any number of needs can cause a person to look for assets to sell.

Contact the Life Settlement experts @ Settlements For Life, LLC. Don't let complacency get in the way of helping your client earn more cash and you to earn more commission revenue.

SETTLEMENTS FOR LIFE, LLC

877.588.5558 or
email info@settlementsforlife.com

www.settlementsforlife.com

Financial Planners Can Help Their Clients Even More

2006-08-15T13:53:00.000-05:00

Are you giving your clients all of their financial opportunities?

If you are not offering your clients the option to sell their policy your competition soon will! Offering the option of a Life Settlement to your clients is a practical choice to make as their financial or estate planner.

Call 877.588.5558 to speak with a Settlements For Life representative and learn how to start offering your clients a new financial opportunity NOW.

Visit our website for more information at www.settlementsforlife.com.

NEW MARKETING TEAM ENHANCES THE SETTLEMENTS FOR LIFE FAMILY

2006-07-13T13:32:00.000-05:00

RELEASE : 07/13/06

NEW PEOPLE @ SETTLEMENTS FOR LIFE

Settlements For Life, long recognized in the industry as a leader in the Life Settlements industry is upping the anty. In an effort to better serve its customers, we have recently hired Asher Rapp as the new Managing Director of Sales & Marketing along with David Pryor as a Regional Sales VP for California, Texas & South Carolina.

Asher Rapp has an extensive history in customer relationship management and institutional sales. Throughout the 90s Asher was President & CEO of Enterprise Technologies in Memphis, a CRM and technology consulting firm. During the previous few years he has worked in institutional capital markets for NBC Bank, Suntrust Capital Markets and SAMCO Capital Markets, a division of Penson Worldwide. His duties will include guiding a inside and outside sales team. Additional, he will direct the future internet and e-marketing efforts of the firm.

Settlements For Life, LLC delivers better offers on senior life insurance settlements and works primarily with independent general agents.

For more information contact Settlements For Life at info@settlementsforlife.com.

Settlements For Life, LLC
Enhancing The Value Of Your Life
5350 Poplar Avenue, Suite 550
Memphis, TN 38119
Toll Free 877.588.5558
Local 901.683.5558
Fax 901.683.5531
www.settlementsforlife.com

CAN'T TAKE IT WITH YOU? WE CAN HELP!

2006-06-14T11:56:00.000-05:00

Not all together true on the death benefits in life insurance policies these days. A few viewers of this blog have stated that you don't get to personally benefit from life insurance policies, as they only pay AFTER you die.

However, many individuals with $250,000 or more of face valued policies and ages 65 or more are taking policies they would have otherwise let lapse and selling them to life settlement brokers like SETTLEMENTS FOR LIFE and others.

When premiums get too expensive or the reason for owning the policy has changed you need options with value. Even term policies can often hold some value and many times more than you would expect. A person can then use the money for retirement or long term care needs or even put it into an another financial instrument.

If you are 65 or older with a convertible term policy, don't let someone tell you to walk way from the policy because the premiums becamce too expensive.

Meet with your personal investment advisor or accountant to discuss this. You can also call Settlements For Life at 877.588.5558 or send an email to info@settlementsforlife.com to learn more.

Asher Rapp
Director, Sales & Marketing
Settlements For Life, LLC
arapp@settlementsforlife.com

Now Is The Time To Sell A Life Insurance Policy!

2005-08-22T13:29:00.000-05:00

There is no time like now to sell you life insurance policy in a life settlemement transaction on the secondary market.

We have new funders waiting to pay you or your clients the most cash available for a life policy.

Call us today or visit our web site. You can even submit your case online. Just click here http://settlementsforlife.com/submit - it's simple.

We look forward to hearing from you soon and getting you the cash you want or need out of your life insurance policy!

Settlements For Life

Enhancing The Value Of Your Life

877.588.5558

www.settlementsforlife.com

email: info@settlementsforlife.com

Interested in non-recourse premium financing for a new life insurance policy? Seniors can get a new life insurance policy with little or no out of pocket cost.

Visit our blog

http://lifeinsurancepremiumfinancing.blogspot.com

MORE CASH FOR YOUR LIFE POLICY

2005-08-11T09:06:00.000-05:00

Settlements For Life is one of the most experienced life settlement companies in business. We can get you more cash for your life insurance policy than most brokers. With our experience and contacts in the industry, we have unique sources to get you the most cash available for your policy.

Cash Now - More Than Cash Surrender Value

Settlements For Life

Enhancing The Value Of Your Life

877.588.5558

www.settlementsforlife.com

email info@settlementsforlife.com

Did You Know You Can Sell Your Life Insurance Policy For Cash - YES - A Life Settlement Could Net Significant Cash!

2005-04-11T10:25:00.000-05:00

Here's Why You Should Sell Your Life Insurance Policy!

With the cash you will be able to ...

Replace your current, expensive policy and get a cheaper one

Purchase other investments

Make Family Gifts

Fund Your Retirement

There are many more reasons

Call today for more information

877.588.5558

SETTLEMENTS FOR LIFE

Enhancing The Value Of Your Life

www.settlementsforlife.com

Don't Let Your Policy Lapse - A Life Settlement Could Be Perfect For You

2005-04-07T14:52:00.000-05:00

Paid in to your life insurance for years and got nothing out of it?

Thinking about letting the policy lapse?

DON'T

We can get you cash now for your policy.

A life settlement, senior settlement or viatical settlement could net you significant cash if you qualify.

Call today to see if you qualify!

877.588.5558

Settlements For Life

Enhancing The Value Of Your Life

www.settlementsforlife.com

Costly Life Insurance? Life Settlement Can Help

2005-04-04T15:27:00.000-05:00

Does Your Life Insurance Cost Too Much?

A life settlement can get you cash for your policy now.

Sell your policy and buy a newer, cheaper policy.

Visit Our Web Site or Call Today

877.588.5558

www.settlementsforlife.com

Life Settlement Nets Substantial Cash

2005-03-22T16:38:00.001-06:00

Florida Man Nets $515,000 Cash From His Life Insurance Policy

Click The Text Above To Hear How

Settlements For Life

Enhancing The Value Of Your Life

877.588.5558

www.settlementsforlife.com

Nationwide Life Settlement Broker

2005-03-15T19:40:00.000-06:00

Life Settlement, Senior Settlement, Viatical Settlement

Secondary Market For Your Life Insurance Policy

Give me your life settlement application today and I'll get you the most cash available for your life insurance policy - now!

Ronnie Katz, CPA

President of Settlements For Life

http://www.settlementsforlife.com/submit.htm

As a nationwide life settlement broker we assure you that you'll get the most cash available for your life insurance policy. We shop your case with the best buyers in the business.

Don't go direct to a buyer! Let us shop your case and get more cash for you.

Settlements For Life

Enhancing The Value Of Your Life

with our

Life Enhancement Program

877.588.5558

www.settlementsforlife.com

Life Settlement = More Cash For Your Life Insurance Policy

2005-03-08T11:04:00.000-06:00

Settlements For Life
Enhancing The Value Of Your Life

Look Into Our Life Enhancement Program
877.588.5558
www.settlementsforlife.com

info@settlementsforlife.com

Do you qualify?

Take a minute to find out now

http://www.settlementsforlife.com/qualify.htm

Call or email me today to discuss your case

Ronnie Katz, CPA

President

877.588.5558

rkatz@settlementsforlife.com

Life Settlements - I'll Get The Most Cash For You

2005-02-25T09:33:00.000-06:00

A message from Ronnie Katz, CPA, President

Settlements For Life

Give me your life settlement application today and I'll get you the most cash available for your life insurance policy. Send me your information now and I'll start working your case immediately - http://www.settlementsforlife.com/submit.htm

As a life settlement broker we shop your case for you - no need to apply with anyone else - we are your one-stop-shop - we shop FOR YOU - with the best and most professional buyers in the business.

Settlements For Life

Enhancing The Value Of Your Life

www.settlementsforlife.com

info@settlementsforlife.com

877.588.5558

Life Settlements - Everyone Is Recognizing The Value

2005-02-15T11:10:00.000-06:00

A life settlement, viatical settlement, senior settlement, senior life settlement - however you refer to it - can yield you substantial cash for your life insurance policy.

What if you could sell your policy for substantially more than the cash value?

Settlements For Life has relationships with the best buyers in the business. We are your one stop shop for Life Settlements. No need to shop to several brokers - we have you covered. We will get you the best price available for your life insurance policy.

Insurance agents, brokers and financial advisors - give us a call - we can work together on your cases.

Visit our website and then give me a call so I can help you get the value your deserve from your life insurance policy with our Life Enhancement Program.

The process is simple.

And be sure to visit Finance For Life regarding short term financing of life insurance policies for seniors - with a potential upside. http://lifeinsurancepremiumfinancing.blogspot.com

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com

What It Takes To Make A Life Settlement Work

2005-01-27T08:10:00.000-06:00

Are you 65 or older and have had a decline in your medical condition since your original life insurance policy was issued? Is your policy past the the 2 year contestibility term? Is the face value of your policy $250,000 or more?

If so Settlements For Life can get you cash now for your life insurance policy with our Life Enhancement Program.

Settlements For Life - Enhancing The Value Of Your Life

Call us at 877.588.5558 or visit our web site today http://www.settlementsforlife.com

Reap Substantial Financial Reward From A Life Settlement

2005-01-13T17:58:00.000-06:00

Ask about our Life Enhancement Program

Settlements For Life - Enhancing The Value Of Your Life

http://www.settlementsforlife.com 877.588.5558

Life Settlement Application Is Simple

2005-01-11T10:15:00.000-06:00

A life settlement application is simple with Settlements For Life. Either submit your case online or download forms. The process is simple and will take you less than 10 minutes. You fill out the forms and we'll do the rest. Our Life Enhancement Program will get you the most money available for your life insurance policy. And, there is no application cost or obligation to you.

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com 877.588.5558

Life Settlement Case Example

2005-01-10T12:21:00.000-06:00

A life settlement can relieve you of burdonsome payments on your existing policy.

Mr. G., an 81 year old man who had a heart attack a few years ago, recently submitted his policy to Settlements For Life to get cash from a life settlement. His $1 million face policy was going to cost him over $40,000 per year to maintain. This policy was a universal life policy and did not perform well since he bought it over 10 years ago, and had only $23,000 in cash value. Settlements For Life was able to get Mr. G. $225,000 for his policy.

We can get cash for your policy too.

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com 877.588.5558

Why Use A Life Settlement Broker?

2005-01-06T08:51:00.000-06:00

Wouldn't you want to know that you were getting the best possible price for your life insurance policy in a life settlement transaction?

In a life settlment transaction, a broker has established relationships with multiple buyers. We are able to fullfill our fiduciary responsibility to the policyowner/seller in making sure they get the most cash available for their life insurance policy.

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com

What Is A Life Settlement?

2005-01-03T08:54:00.000-06:00

A life settlement is the sale of a life insurance policy, by the policy owner, for more than cash surrender value.

Why well you life insurance policy in a life settlement transaction?

You need cash now
You need cash to pay off debts
You want cash to buy a new life insurance policy
Your old policy costs too much
You want to fund your retirement
You want to fund your charitable giving plan

There are many reasons to enter into a life settlement, senior settlement, senior life settlement or viatical or viatical settlement.

Call us today 877.588.5558 or visit our website and apply online today with our easy online application.

Settlements For Life - Enhancing The Value Of Your Life

http://www.settlementsforlife.com

2005 - Life Settlements Milestones

2004-12-31T09:22:00.000-06:00

As we enter into 2005 we look for the life settlements market to be stronger than ever. In addition premium financing for seniors will explode in 2005. OurFinance For Life Program will stand at the forefront of this market.

For more information visit our web site or call us at 877.588.5558 or email me directly at rkatz@settlementsforlife.com.

Ronnie Katz, President
Settlements For Life - Enhancing The Value Of Your Life

http://www.settlementsforlife.com

Life Settlement Representatives

2004-12-30T18:24:00.000-06:00

Settlements For Life is looking for qualified representatives nationwide to represent our Company. Please submit the following form (see link below) so we can contact you to discuss this exciting business opportunity. We look forward to speaking with you soon!

http://www.settlementsforlife.com/representative.htm

Ronnie Katz
Founder and President

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com

Life Settlements & Premium Financing

2004-12-29T15:43:00.000-06:00

Life settlements and premium financing go hand in hand.

As the year comes to an end we look for ways to improve our lives. What better way to improve the quality of your life than with Finance For Life - Premium Financing For Senior Life Insurance Needs.

Free up cash that would be used on expensive premiums and get the coverage you need for your financial and estate plans.

Call us today at 877.588.5558 so we can send you or your advisor the information you need to get started on the process today.

Settlements For Life - Enhancing The Value Of Your Life

Finance For Life - Premium Financing For Senior Life Insurance Needs

http://www.settlementsforlife.com

Sell Your Life Insurance Policy For Cash

2004-12-28T09:07:00.000-06:00

In a life settlement transaction you can get more than cash surrender value for your life insurance policy to use right now for whatever you want.

Universal life, variable life, whole life, term, second-to-die - any kind of policy can qualify.

Visit us at http://www.settlementsforlife.com or call 877.588.5558

Cash For LIfe

2004-12-27T09:37:00.000-06:00

Start out the new year right - get the cash you need from your life insurance policy with a life settlement from Settlements For Life.

More Cash Than Cash Surrender Value
Unlock Cash From Your Policy and Use Those Funds Now For Life

Need More Insurance - Ask About Our Finance For Life Program - Premium Financing For Seniors.

Settlements For Life
Enhancing The Value Of Your Life
http://www.settlementsforlife.com

Happy Holidays From Settlements For Life

2004-12-23T15:02:00.000-06:00

Happy holidays from Settlements For Life

Settlements For Life
Enhancing The Value Of Your Life
Life & Viatical Settlements
Premium Financing For Senior Life Insurance Needs

http://www.settlementsforlife.com

News & Articles About Life Settlements

2004-12-22T15:43:00.000-06:00

Interested in life settlements?

Take a look at the articles posted on our web site
http://www.settlementsforlife.com/news.htm

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com

Become A Life Settlement Rep w/ Settlements For Life

2004-12-20T19:43:00.000-06:00

Represent Settlements For Life - there is demand for representatives in the life settlement and viatical settlement markets.

Call us today or visit our web site
http://settlementsforlife.com/representative.htm

Settlements For Life
Enhancing The Value Of Your Life

http://www.settlementsforlife.com

Fund Your Retirement With A Life Settlement

2004-12-18T19:38:00.000-06:00

Cash For Your Retirement

What if you could sell your life insurance policy and get more than cash surrender value?
Life Settlements by Settlements For Life will get you more than cash surrender value for your policy if you qualify.

Senior settlements, life settlements, viatical settlments -

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com 877.588.5558

Life Settlement Application Process

2004-12-16T21:12:00.000-06:00

With Settlements For Life the application process for your life settlement process is simple. Just follow the link for forms or apply online.

http://settlementsforlife.com/download.htm

Don't forget to ask about our Finance For Life Program - Premium Financing For Your Life Insurance Needs

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com

Life Settlement - Online Case Submission

2004-12-15T15:51:00.000-06:00

Submit your life settlement case on line - it is easy. Life Settlements, life settlements, viatical or senior settlement. Whatever you know it by, Settlements For Life works for you, the client, in getting the most money possible for your policy.

http://settlementsforlife.com/submit.htm

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com

Life Settlement Presentation

2004-12-14T19:27:00.000-06:00

See a brief presentation about life settlements, also known as senior life settlements, senior settlements and viaticals.

http://www.settlementsforlife.com/presentation.htm

Settlements For Life - Enhancing The Value Of Your Life
http://www.settlementsforlife.com 877.588.5558

Life Settlement Cash

2004-12-13T09:50:00.000-06:00

How Can You Get Cash Now For Your Life Insurance Policy?

You can get cash now for your life insurance policy if you qualify for a Life Settlement.
A Life Settlement is the sale of a life insurance policy whereby the policy owner receives more than the cash surrender value of the policy.

Why consider a Life Settlement?

Individuals - http://www.settlementsforlife.com/cash_individuals.htm
Trusts - http://www.settlementsforlife.com/cash_trusts.htm
Charitable Institutions and Charity Considerations - http://www.settlementsforlife.com/cash_institutions.htm
Businesses - http://www.settlementsforlife.com/cash_business.htm

http://www.settlementsforlife.com 877.588.5558

Happy Channukah from Settlements For Life

2004-12-10T15:16:00.000-06:00

Happy Channukah! This holiday represents a time of freedom.

Settlements For Life can free you from the burden of your life insurance policy or give you the cash you need for life, right now.

Life settlements, viatical settlements, senior life settlements - we have the solution for you.

Settlements For Life
Enhancing The Value Of Your Life

http://www.settlementsforlife.com

Premium Financing & Life Settlements

2004-12-09T09:49:00.000-06:00

Coverage You Need Followed By A Life Settlement

Premium Financing is a great way to accomplish getting the coverage you need with little out of pocket expense. After a period of time one can elect to continue to finance the policy, take over the policy without financing or attempt to receive the fair market value in the secondary market.

Contact us today about this exciting opportunity brought to you by Finance For Life.

SETTLEMENTS FOR LIFE, LLC
1000 June Road, Suite 102
Memphis, TN 38119
Phone 901.683.5558 Toll free 877.588.5558 Fax 901.683.5531

Email info@settlementsforlife.com

http://www.settlementsforlife.com

Life Settlements - More You Need To Know

2004-12-08T10:38:00.000-06:00

Life settlements, viatical settlement, senior settlement -

Consider All Your Options
Find out if you have any cash value in your life insurance policy. You may be able to use some of the cash value to meet your immediate needs and keep your policy in force for your beneficiaries without having to sell it to a third party. You may also be able to use the cash value as security for a loan from a financial institution.
Review other sources of cash that may meet your financial needs at a lower cost than a life settlement.

Other Considerations
Contact a professional tax advisor. Find out the tax implications. Proceeds are only tax-free under certain circumstances.
Know that your creditors could claim the proceeds.
Find out if you’ll lose any public assistance benefits such as food stamps or Medicaid if you get a cash settlement.
Know that you must provide certain medical and personal information to third parties who will be paid the proceeds from your policy upon your death. These third parties may sell your policy and pass along your medical and personal information to other individuals.

Consumer Tips
Understand how the process works and when the different phases will happen.
Decide whether to sell your policy directly to a life settlement provider or go through a life settlement broker who will do the comparison shopping for you.
If you don’t use a life settlement broker, comparison shop on your own.
You don’t have to accept any life settlement offer.
Check all application forms for accuracy, especially information about your medical history.
You must be truthful in your answers to application questions.
Make sure the life settlement provider agrees to put your settlement proceeds in escrow with an independent party or financial institution to make sure your funds are safe during the transfer.
Find out if you have the right to change your mind about the life settlement offer after you get the proceeds. In many states, you have the right to change your mind for a certain period of time. If you have that right, you’ll have to return the money you were paid and premiums the buyer paid.
Understand whether buyers may learn your identity when they buy your policy, and whether they will know certain medical and personal information about you, such as your address and life expectancy.

www.settlementsforlife.com 877.588.5558

Disclosures - Life Settlements

2004-12-07T12:31:00.000-06:00

Understanding Life Settlements

A life settlement is the sale of a life insurance policy to a third party. The owner of a life insurance policy sells it for a cash payment that is less than the full amount of the death benefit. The buyer becomes the new owner and/or beneficiary of the life insurance policy, pays all future premiums and collects the full amount of the death benefit when the insured dies. People decide to sell their life insurance policies for many reasons. When an individual with a terminal or chronic illness sells his or her life insurance policy, that is known as a viatical settlement. When an individual who does not have a terminal or chronic illness sells a policy for other reasons, including changed needs of dependents, wanting to reduce premiums, and cash for meeting expenses, that is known as a life settlement. A life settlement may or may not be the right choice for you. Your state insurance department, along with the National Association of Insurance Commissioners, is concerned that many consumers may not fully understand life settlements. Please continue reading before making any decisions.

Get All the FactsBefore you enter into any life settlement transaction, you should:
Contact your life insurer to learn about all of your possible options under your policy.
Contact a life settlement broker or life settlement provider for information about life settlements.
Consult with your own financial advisor who knows your personal financial needs. Be sure to ask
about tax and other financial consequences if you sell your policy.
Contact your state insurance department for information about current laws that may protect you.

http://www.settlementsforlife.com

Life Settlements - More Questions

2004-12-07T00:09:00.000-06:00

For life settlements, viatical settlements, senior settlements, senior life settlements -

What are the tax implications of selling my life insurance policy?

Typically, any amount paid for a policy in excess of the cash surrender value is treated as a capital gain. The cash surrender value in excess of the basis in the policy is treated as ordinary income. As with this or any other major financial decision, we strongly recommend that sellers of policies seek the advice of a financial consultant or tax advisor.

What is involved in the process?

It is very easy. Simply fill out the application provided for you. We’ll review the insurance policy and the medical records provided by the insured’s doctor. If your application qualifies, an offer will be prepared for you. No additional medical examinations for the insured are required. The process is very, very simple.

http://www.settlementsforlife.com or call us 877.588.5558

And More Questions About Life Settlements

2004-12-04T21:26:00.000-06:00

If you are considering a life settlement, senior settlement or viatical settlement read on ...

How would I use the proceeds from this sale?

Any way you like. Many people choose to use these funds for:
Purchase of additional securities, mutual funds, annuities as long-term investments, or other life insurance policies.
Long-term care or other asset protection tools.
Fund a charitable gift, charitable lead trust, charitable remainder trust or gift annuity.
Gift taxes.
Buy back stock from a business partner.
Funds may be used for any purpose.

Who pays the future insurance premiums?

You will never have to pay another life insurance premium. Once you have sold your policy and received your funds, you will no longer be responsible for premium payments.

http://www.settlementsforlife.com 877.588.5558

Freqently Asked Questions About Life Settlements

2004-12-02T10:18:00.000-06:00

What is the Life Settlement Program?
The life settlement program can help you maximize the value of an important asset that you may no longer need and provide you with considerable funds for your immediate use.

Who is eligible to participate?
Any individual age 65 or older.
Any life insurance policy with a face value of $250,000 or more.
Almost all types of life insurance qualifies, including term, whole life, universal life and many others.

How much money can I expect to receive for my life insurance policy?
You will receive immediate cash funds determined by:
Estimated life expectancy and medical condition.
The amount and type of life insurance coverage.
Amount of the premiums necessary to keep the policy in force.
Cash value build up in the policy.
Credit and solvency ratings of the insurance company.
Prevailing interest rates.
Loans, if any, taken against the policy.

Life settlement, viatical settlement, senior settlement - whatever you know it by - call us today at 877.588.5558 or visit us at http://www.settlementsforlife.com

Trusts & Life Settlements

2004-12-01T08:23:00.000-06:00

A life settlement, senior settlement or viatical settlement can be done even if your policy is in a trust.

Whether you have life insurance in a life insurance trust, a family trust, a charitable remainder trust or any other type of trust vehicle, a life settlement could help accomplish trust goals and fund beneficiary needs.

The insured has outlived his/her heirs.
The goals of the trust have changed and the insurance is no longer necessary.
Premium payments are no longer affordable or the trustee is not interested in paying premiums to keep the policy in force.
The policy was purchased several years ago and is not performing as expected and the trustee needs to replace the insurance.
The trust has a policy that might lapse sooner than expected and needs to be sold and replaced with new insurance.
The estate size has decreased or tax laws have changed, reducing the amount of insurance required to pay projected estate taxes.

What will the Trust do with the cash? The trust might use the cash as follows:
Disburse cash to accomplish other goals of the trust.
Invest cash to fund other goals of the trust.
Purchase a new paid up life insurance policy.
Pay for long-term care or assisted living for the trust beneficiary.
Fulfill charitable giving plan.

See more on our website http://www.settlementsforlife.com or call us 877.588.5558

What If A Life Settlement Could Produce Cash For You?

2004-11-30T09:48:00.000-06:00

What if a life settlement could get you substantially more cash than cash surrender value from your life insurance policy?

What if your life insurance policy is about to lapse and you don't even know it?

What if you can get cash out of your policy now with a life settlement or senior settlement and either buy a new policy or do whatever you like with the cash.

A life settlement could be for you. See if you qualify - visit our website for more information and to try out our free online qualifier - then submit your case online. It's simple!

http://www.settlementsforlife.com

Life Settlement Broker

2004-11-29T08:59:00.000-06:00

Settlements For Life is your life settlement broker. We have built relationships with buyers throughout the United States. By sending your case to various buyers, we can guarantee that you get the best possible price for your life insurance policy. Let us handle your life settlement, senior settlement and viatical settlement needs.

Be sure to subscribe to our blog by clicking the bloglines link above, near the title to our blog.

Call us today at 877.588.5558 and be sure to visit our web site http://www.settlementsforlife.com

The Simple Process - A Life Settlement Is Easy

2004-11-28T12:00:00.000-06:00

What is involved in the simple process of getting cash now for your Life Insurance Policy in a Life Settlement transaction?

Fill out a simple application -
1. Submit your case online 2. Download forms and fax or mail to us

Complete our online evaluation questionnaire to see how likely it is your case will qualify. Still submit your application so we can evaluate your case too.

We will request and review your insurance policy and medical records.

If you qualify we will prepare an offer for you.

No additional medical examinations are required.

What if a life settlement could unlock cash from your policy you never dreamed existed?

Visit us at http://www.settlementsforlife.com or call us at 877.588.5558

Happy Thanksgiving From Settlements For Life

2004-11-25T12:53:00.000-06:00

Thanksgiving gives us many reasons to be thankful for all we have.

We wish everyone a happy and healthy holiday season.

When there is a need, please remember Settlements For Life for your life settlement, senior settlement and viatical settlement needs.

Ronnie Katz
President & Founder

http://www.settlementsforlife.com

Attorneys, CPAs & Estate Planners - You Need This Estate & Financial Planning Tool - A Life Settlement

2004-11-24T10:12:00.000-06:00

Attorneys,CPA's and Estate Planners

Life Settlements have become a mainstream tool used by attorneys, cpa's and estate planners in advising clients with regard to personal estate and financial planning and business financial planning. Your heightened awareness of this valuable tool will command the respect from your clients you deserve as a well informed and practicing professional.Secondary Market For Life InsuranceYour clients deserve the best advice possible. Now you can advise your clients to sell a policy in a Life Settlement transaction that could net your client substantially more than cash surrender value calculated by the insurance company. There is no longer a need to cash in a life insurance policy for cash surrender value or let a term policy lapse. Now your clients can sell their policies to a third party (not the insurance company). Advise your clients about a Life Settlement today!

How Do You Benefit From Advising Your Clients About Life Settlements?
You satisfy your fiduciary responsibility to your clients to give the best advice possible.
Your clients recognize your expertise and good advice and refer more business.

Which Clients Qualify For A Life Settlement?If you have a client who:
is at least 65 years old,
has a life insurance policy (all types, including term) of $250,000 or more,
and has had a change in health since the policy was issued, your client might qualify for a Life Settlement. A Life Settlement can produce substantial cash from a life insurance policy that is no longer needed or wanted.

Why Would Your Client Sell A Life Insurance Policy?
Your client needs cash!
Cash is needed to buy a new paid up life insurance policy.
Cash flow is tight and monthly premium payments are too high.
Cash is needed for medical care.
Cash is needed for assisted living or a nursing home.
Cash is needed to fund children's education.
Cash is needed to get out of debt.
Cash is needed to purchase long-term care insurance.
Cash is needed to fund your client's retirement.
Cash is needed to fulfill your client's family charitable giving plan.
Cash is needed to make family gifts.
Cash is needed to replace an underperforming life insurance policy.
Cash can be used to purchase other investments.
Cash is needed to buy back stock from a business partner.

A Life Settlement is a great way to improve upon an estate plan or to fund a charitable giving program. In the case of a charitable gift, your clients could get a substantially larger tax deduction when coupled with a life settlement, also known as a senior settlement and viatical settlement.

Visit our site http://www.settlementsforlife.com or call us at 877.588.5558

Get More Than Cash Surrender Value - A Life Settlement Can Do It

2004-11-23T11:40:00.000-06:00

Listen to this! You can get more than cash surrender value out of your life insurance policy with a life settlement, senior settlement or viatical settlement.

http://www.settlementsforlife.com

Life Insurance Agents and Consultants - Life Settlements Are Here!

2004-11-23T09:45:00.000-06:00

Life InsuranceConsultants and Agents

Life insurance consultants and agents are reaping the rewards of Life Settlement transactions they introduce to their clients. The secondary market for life insurance is not only keeping existing policies in force, but Life Settlements are producing cash for the purchase of new life insurance policies.

What Is The Benefit To You?
You continue to earn renewal commissions on the existing policies.
You earn new commissions on new life insurance policies sold.
You earn conversion commissions on converted term policies.
You earn fees for investing the clients funds in annuities or other investments.
You have acted in the best interest of your client by advising him/her about the possibility of selling a life insurance policy for more than cash surrender value or selling a term policy instead of letting it lapse.

Does Your Insurance Company Prohibit Your Involvement In Life Settlement Transactions?
You still have a fiduciary responsibility to your client. Don't cause your client to leave money on the table. Call us at 877.588.5558 or email us and we'll send you some well respected articles on this subject.
Refer the business - you do not have to have actual involvement in the transaction. If you are not involved in the transaction you still benefit as follows:
The original policy remains in force and renewal commissions continue.
In many cases your client will use proceeds to purchase a new policy on which you will receive a new commission.
You have given advice that is best for your client.

Which Clients Qualify For A Life Settlement?
If you have a client who is:
at least 65 years old,
has a life insurance policy (all types, including term) of $250,000 or more,
and has had a change in health since the policy was issued, your client might qualify for a Life Settlement. A Life Settlement can produce substantial cash from a life insurance policy that is no longer needed or wanted.

Why Would Your Client Sell A Life Insurance Policy?
Your client needs cash and can get more than cash surrender value or get cash for a Term Policy with no value that is going to lapse.
Cash is needed to buy a new paid up life insurance policy.
Cash flow is tight and monthly premium payments are too high.
Cash is needed for medical care.
Cash is needed for assisted living or a nursing home.
Cash is needed to fund children's education.
Cash is needed to get out of debt.
Cash is needed to purchase long-term care insurance.
Cash is needed to fund your client's retirement.
Cash is needed to fulfill your client's family charitable giving plan.
Cash is needed to make family gifts.
Cash is needed to replace an underperforming life insurance policy.
Cash can be used to purchase other investments.
Cash is needed to buy back stock from a business partner.

A Life Settlement is a great way to improve upon an estate plan or to fund a charitable giving program. In the case of a charitable gift, your clients could get a substantially larger tax deduction when coupled with a Life Settlement.

http://www.settlementsforlife.com

Financial Planners - Life Settlements Are Good For Your Clients

2004-11-22T09:29:00.000-06:00

Financial Planners -

You know better than anyone else what your clients' financial needs are. Why advise your clients about Life Settlements?

Secondary Market For Life Insurance:
In a Life Settlement transaction your client will always get more than cash surrender value for their policy. This secondary market opens up a whole new perspective on disposing of unwanted or unaffordable life insurance policies. Now, when advising your clients to dispose of their Life Insurance policies, the opportunity exists to produce substantially more cash than cash surrender value. Even term insurance policies can qualify for a life settlement. There is no longer a need to cash in a life insurance policy for cash surrender value or let a term policy lapse. Now your clients can sell their policies to a third party (not the insurance company). Advise your clients about a Life Settlement today!

How Do You Benefit From Advising Your Clients About Life Settlements?
Your client gets cash that needs to be invested and managed by you. More commissions from additional investing! You satisfy your fiduciary responsibility to your clients by giving the best advice possible. Your clients recognize your expertise and good advice and refer more business.

Does Your Broker/Dealer Prohibit Your Involvement In Life Settlement Transactions?
You still have a fiduciary responsibility to your client. Don't cause your client to leave money on the table. Call us at 877.588.5558 or email us and we'll send you some well respected articles on this subject.

Refer the business - you do not have to have actual involvement in the transaction. If you are not involved in the transaction you still benefit as follows:

Your client receives cash that you invest on his/her behalf.
In the event you are involved with the life insurance policies - the original policy remains in force and renewal commissions continue.
In many cases your client will use proceeds to purchase a new policy on which you will receive a new commission.
You have given advice that is best for your client.

Which Clients Qualify For A Life Settlement?
If you have a client who is:
at least 65 years old,
has a life insurance policy (all types, including term) of $250,000 or more,
and has had a change in health since the policy was issued, your client might qualify for a Life Settlement. A Life Settlement can produce substantial cash from a life insurance policy that is no longer needed or wanted.

Why Would Your Client Sell A Life Insurance Policy?
Your client needs cash!
Cash is needed to buy a new paid up life insurance policy.
Cash flow is tight and monthly premium payments are too high.
Cash is needed for medical care.
Cash is needed for assisted living or a nursing home.
Cash is needed to fund children's education.
Cash is needed to get out of debt.
Cash is needed to purchase long-term care insurance.
Cash is needed to fund your client's retirement.
Cash is needed to fulfill your client's family charitable giving plan.
Cash is needed to make family gifts.
Cash is needed to replace an underperforming life insurance policy.
Cash can be used to purchase other investments.
Cash is needed to buy back stock from a business partner.

A Life Settlement is a great way to improve upon an estate plan or to fund a charitable giving program. In the case of a charitable gift, your clients could get a substantially larger tax deduction when coupled with a Life Settlement.

http://www.settlementsforlife.com or call us toll free 877.588.5558

Eldecare Planning? - A Life Settlement Is For Your Clients

2004-11-19T09:59:00.000-06:00

Whether you are an Eldercare Professional involved with:
Eldercare Planning;
Long-term Care Insurance;
Senior Residential Communities;
Assisted Living Facilities;
Continuing Care Facilities;
Nursing Homes, or
Home Health Agencies,

your clients will benefit from your knowledge and advice in your recommending a Life Settlement.

Funding For The Future

Our population is aging and life expectancies are increasing. Seniors today need competent financial planning to see their way through their retirement years. A Life Settlement can make a difference in their lives by giving them the cash they need to pay for housing and health care. Now you can advise your clients to sell a policy in a Life Settlement transaction that could net your client substantially more than cash surrender value calculated by the insurance company. There is no longer a need to cash in a life insurance policy for cash surrender value or let a term policy lapse. Now your clients can sell their policies to a third party (not the insurance company).

Advise your clients about a Life Settlement today! Have them call Settlements For Life! Our toll free number is 877.588.5558.

http://www.settlementsforlife.com

President & Founder of Settlements For Life

2004-11-18T08:35:00.000-06:00

Ronnie Katz, CPA, ( www.settlementsforlife.com/images/ronniekatzpic-sm.jpg )
is the founder and President of Settlements For Life, LLC. He has over 24 years of public accounting experience, with involvement in the areas of financial planning and estate planning. While in practice, he also held a life insurance license to assist his clients with important decision making regarding life insurance and investment products. His CPA experience, coupled with his knowledge of insurance and investments markets has helped him negotiate the best prices available for his Life Settlement clients. He is a member of the American Institute of Certified Public Accountants, The Tennessee Society of Certified Public Accountants, the Memphis Estate Planning Council and serves on the boards of several charitable institutions.

According to Mr. Katz, "Life Settlements and viatical settlements are tools I wish I had for my clients when I practiced as a CPA in my public accounting practice. My clients would have benefited greatly from the opportunity to sell a life insurance policy for more than cash surrender value in a true secondary market. Today, CPAs, attorneys, financial planners and insurance professionals have a fiduciary responsibility to advise their clients of the life settlement option."

http://www.settlementsforlife.com

The Difference Between a Life Settlement & a Viatical

2004-11-17T09:15:00.000-06:00

What is the difference between a life settlement and a viatical? Some state laws consider any transaction in which a life insurance policy is sold a viatical. Some states differentiate between the two terms.

A viatical is the purchase of a life insurance policy from someone who is terminally ill and has a life expectancy of up to two years. A viator is the person who sells the policy.

A life settlement is the purchase of a life insurance policy from someone who has a life expectancy between 3 and 12 years.

While a viator migt be any age, in a life settlement transaction, generally, the life settlor is usually 65 years old or older, has had a change in health since the policy was purchased and has had the policy for at least 2 years.

Visit our site at http://www.settlementsforlife.com or call us at 877.588.5558

Settlements For Life
Enhancing The Value Of Your Life

Charitable Giving Planning - A Life Settlement Is Perfect

2004-11-16T08:58:00.000-06:00

Mr. R., a 76 year old man with an $8 million life insurance policy, received $2.4 million for his policy in a Life Settlement transaction. His cash surrender value was only $795,000. Had he donated his life insurance policy to charity he would have been able to take a $2.4 million charitable gift tax deduction instead of the $795,000 cash surrender value.

Consider a Life Settlement when planning your charitable giving!

Bigger Tax Deduction - More Cash For Charity

Benefit to the Donor:
Get a substantially larger charitable deduction over and above cash surrender value for gifting a life policy to a charity.

Tax deduction for sales vs. cash surrender value.

Convert a generally worthless asset, such as a policy that will soon lapse or be surrendered, into an asset of significant value.

Provide funds for charitable giving.

Relieve the individual or organization of further premium obligations.

Provide individuals with philanthropic options.

Benefit to the Charity:
Generate cash to bolster endowment funds.

Create cash for capital projects.

Receive donations from those who would not otherwise give.

New planned gift strategy to donors.

Pay no more premiums on donated policies.

Ask about our Life Settlement Program for donors, charities and other institutions.

Visit our web site http://www.settlementsforlife.com or call us at 877.588.5558

Settlements For Life

Memphis, Tennessee

Enhancing The Value Of Your Life

Is Your Life Insurance Costing You Too Much - Check Into A Life Settlement

2004-11-15T09:46:00.000-06:00

Are your life insurance premiums too high?
Is your life insurance policy an underperforming asset?
Are you thinking about letting your policy lapse or you want to surrender it?

DON'T LET YOUR POLICY LAPSE!
DON'T SETTLE FOR CASH SURRENDER VALUE!

A Life Settlement can get you more than cash surrender value for your life insurance policy. And, you can use the cash any way you like.

Do you still need life insurance coverage? With a Life Settlement from Settlements For Life you can sell your old, underperforming policy and might be able to get a new, cheaper and better performing policy.

It pays to consider a Life Settlement - there is no cost for the process and no obligation to accept any offer that Settlements For Life obtains for your policy.

Visit our website for more information or call us at 877.588.5558

Settlements For Life
Enhancing The Value Of Your Life
http://www.settlementsforlife.com

Senior Settlements

2004-11-13T19:28:00.000-06:00

Senior settlements, life settlements, viatical settlements, viaticals or old age settlements - these are all names for the same type transaction. These are the transactions in which a life insurance policy owner sells his/her life insurance policy for more than cash value.

Why would someone sell their policy?
Visit our site for more details
http://www.settlementsforlife.com

Life Settlements Mainstream - Secondary Market Cash From Life Insurance Policies

2004-11-12T15:00:00.000-06:00

The Life Settlement market, once an unknown, has gone mainstream. This valuable wealth management, estate planning and retirement planning tool has received the attention of CPAs, attorneys, financial planners and insurance professionals. Professionals are realizing their fiduciary responsibility to inform their clients of the secondary market that Life Settlements create to produce more cash from one's life insurance policy. No longer must value be defined solely by cash surrender value, but by a willing buyer's price which is higher than cash surrender value.

A Life Settlement is the sale of a life insurance policy by a senior for an amount greater than cash surrender value - many times substantially higher. Some states refer to these transactions as viaticals although in most cases a viatical settlement is the term used for the sale of a policy by someone who is terminally ill and expected to have a two year or less life expectancy. A Life Settlement is for those 65 years and older, have had a change in health since their policy was purchased and have a life expectancy between 3 and 12 years.

The process is free and there is no obligation and no medical exams required.

Why sell your policy?
You need cash now!
You need cash to buy a new paid up life insurance policy.
You need cash and monthly premium payments are too high.
You need cash for medical care.
You need cash for assisted living or a nursing home.
You need cash for your children’s education.
You need cash to get out of debt.
You need cash to purchase long-term care insurance.
You need cash to fund your retirement.
You need cash to fulfill you family charitable giving plan.
You need cash to make family gifts.
You need cash to replace your unaffordable life insurance policy.
You need cash to purchase other investments.
You need cash to buy back stock from your partner.
You need cash – to enhance the value of your life!

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Major Breakthrough In Uncovering Hidden Assets

2004-11-11T09:51:00.000-06:00

Life Settlements - Viatical - Cash Now For Your Life Insurance Policy - Tax & Estate Planning Tool

2004-11-10T15:57:00.000-06:00

Life Settlements - Viatical - Cash Now For Your Life Insurance Policy - Tax & Estate Planning Tool:

WHAT IS A LIFE SETTLEMENT?

A Life Settlement is the sale of a life insurance policy whereby the policy owner receives more than the cash surrender value of the policy.

Settlements For Life is comprised of a group of licensed professionals experienced in the life settlement and life insurance businesses, and in various financial areas. Settlements For Life will make every effort to maximize the dollars paid to you, the policy owner, in the acquisition transaction.

Our representatives are well qualified to provide you with all the information you need and answer all your questions. Your financial advisor may also be familiar with our program and can guide you through this simple process.

For more information contact our main office at 877.588.5558 or send an email to bloggerinfo@settlementsforlife.com or visit http://www.settlementsforlife.com

Life Settlement Produces Cash Windfall

2004-11-10T15:07:00.000-06:00

To Whom It May Concern:

I heard of a Life Settlement but was really not sure who I could trust, especially online. I contacted Settlements For Life about my $300,000 life insurance policy that I purchased in 1984. I am 87 years old and I could not afford to pay the new annual premium of over $30,000. The staff at Settlements For Life was courteous, understanding and responsive to my questions. I found that Mr. Ronnie Katz who is also a CPA understands all of the issues I had questions about regarding insurance and finances. I was pleasantly surprised and excited when I received $100,000 for my life insurance policy when I would have received nothing if I let the policy lapse.

Thank you Settlements For Life for being there in my time of need.

Mr. K - Detroit, MI

http://www.settlementsforlife.com

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