Selling life insurance policy

Selling Life Insurance to the Wealthiest Americans, ThinkAdvisor

David Kleinhandler is managing partner of DKA and David Kleinhandler, LLC. Through his companies, he provides insurance planning to his niche audience – the country’s wealthiest families and business owners. He also works with top estate and tax lawyers, CPAs, and investment professionals, helping their clients see insurance as the financial asset it is, putting it to work to create new wealth and protect assets for future generations. To find out how he does it, read on. Q: Tell us about yourself. How did you get started in the insurance industry? What did you do before you sold insurance? David Kleinhandler: In 1987, I was working on the foreign exchange trading desk at Bankers Trust. I...

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Life Insurance Settlement Pros and Cons - The Money Alert

A life settlement is the sale of an insurance policy, usually life insurance, to a third-party. In a life settlement transaction, insurance policies are usually sold for more than the cash value but less than the death benefit. A life settlement may be a good decision for some policyholders who no longer want or need the policy. But, for others, there are some drawbacks. First, let’s look at the benefits. You receive a cash benefit from the policy. The primary reason that you would sell a life insurance policy is to receive the cash from the sale. You may need the money to pay for more important expenses, like health care or large debts. If you have a large life insurance policy, you may be...

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YOUR MONEY Selling Your Life Insurance Policy: Why And How - North American Precis Syndicate

If you decide to sell your life insurance, a few questions can help you feel comfortable with the professional you hire. (NAPSI)—A growing number of American seniors are discovering the hidden value in an important asset—their life insurance policies. Americans aged 65 or older leave more than $100 billion in benefits on the table each year by lapsing or surrendering these policies. One reason is that it can be a problem for many retirees to afford their life insurance premiums, either because of increased rates, decreased income or some personal issue. One option to consider if you’re ever faced with this dilemma is a life settlement: selling your policy to a third party for an amount...

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Coventry Direct Reviews 2018 WARNING Does It Work or Scam?

Coventry Direct Reviews - What Is It? DO NOT USE Coventry Direct!!! You Must Read This Review! Fully Researched: Price, User Feedback and More! Your life insurance premiums may be too costly to maintain or you may have more life insurance coverage than it is necessary at present, you may need to spend more money on medical expenses, or you would like to increase your retirement funds - in any case there is a company that will help you sell your life insurance policy (part or all) for cash. It is known as Coventry Direct. Actually, this process is called a life settlement and it intends to help you receive more benefits from your life insurance policy than when it would be surrendered or...

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Coventry Direct Reviews - Is it a Scam or Legit?

About Coventry Direct Whether your life insurance premiums are too expensive to maintain, you have more life insurance coverage than you currently need, you need help with increasing medical or long-term care expenses, or you’d like to boost your retirement funds, Coventry Direct can help you sell all or part of your life insurance policy for cash. According to Coventry Direct, this process—known as a life settlement—can help you realize “significantly” more value than if your life insurance policy lapsed or was surrendered. In fact, Coventry claims that a life settlement could help you receive 4X more than the surrender amount! All you have to do is complete...

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The Motley Fool: Terminally ill selling insurance policy, The Seattle Times

ASK THE FOOL Profiting at death Q: Is a viatical settlement a good way to get some money? A: A viatical settlement is when an investor buys a terminally ill person’s life-insurance policy. If someone is expected to live only three more years and needs cash to pay for medical bills or anything else, he might sell his life- insurance policy. If it’s set to pay $100,000 on his death, the buyer might pay, say, $66,000 for it. It sounds like a win-win plan, as the seller gets a big lump sum while still alive and the buyer can expect to receive $100,000 in about three years — roughly a 15 percent annual return. But it’s not quite that simple. There are typically fees involved, and the sick person...

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Viatical Settlement, Sell Life Insurance Policy, Free Policy Estimate

Who Qualifies for a Viatical Settlement? Qualifying for a viatical settlement is based on a few basic factors, namely, your health history, policy amount and type and future premium costs: You have been diagnosed with a serious, life-threatening or other terminal illness. In order to qualify for a viatical settlement, you must have been diagnosed with a serious, life-threatening or other terminal illness. Examples of qualifying medical conditions include: late-stage cancer (Stage III or IV), advanced-stage dementia, ALS, congestive heart failure, late-stage liver disease, renal failure, and advanced COPD. For a list of other qualifying medical conditions, please click here . If you...

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How to be beware of mis-selling of life insurance policies

What is mis-selling? As the name suggests, it involves selling of products by giving false or partial information. Wondering how is it relevant to you? It is not restricted to any particular kind of product, rather it has become quite common in the insurance sector, a place which is highly susceptible to mis-selling. Consumers are convinced in such a way that they end up buying an unsuitable product. Many times, the risks are not explained properly and misleading information is given. Now comes the most important question – how to avoid mis-selling of life insurance policies First and foremost, ask the agent for a standard calculation of the plan. Many agents tend to offer a...

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Selling Life Settlement Investments

Selling Life Settlement Investments The Washington State Securities Division has received a number of inquiries about whether persons who are not licensed as securities salespersons or broker-dealers may sell investments in life settlements to their customers. This alert explains how investments in life settlements may be securities and discusses the possible consequences of selling such investments. What is a Life Settlement? Under a life settlement contract, an insured individual sells the insured’s life insurance policy to a third party in return for cash, a loan, or other consideration. The sale price exceeds the amount of any cash surrender value but is less than the expected death...

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Selling a Life Insurance Policy is Not Complete till you Deliver the Policy.

Selling a Life Insurance Policy Requires Delivering of the Policy to Maximize the Sale Selling a life insurance policy has one final step to complete the total sale. (That is when you personally deliver the Policy.) Not only does it enhance your image of being a successful insurance consultant, but it is at this time that that you reaffirm the sale and really make them your client. This step actually completes the life insurance sale for you. The purpose of this selling a life insurance policy topic page is to explain how to take control of that final step after selling a life insurance policy, (the policy delivery), and maximize it for your future benefit. So, lets look at the steps you...

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