Life insurance settlement

Independent Life Insurance Company Enters Structured Settlement Market The Settlement Channel

Independent Life Insurance Company Enters Structured Settlement Market Some good and interesting news for trial lawyers today. There is a NEW life insurance company that has entered the structured settlement and settlement planning market, Independent Life Insurance Company, and it's very important that trial lawyers be aware of who they are, their business model and why it is important your clients have them as an option when considering a structured settlement. This is Mark Wahlstrom, President of Wahlstrom & Associates and this is another in my series on settlement planning for trial lawyers, covering the vital facts and inside information you need to know to make informed...

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Life Insurance Settlement for Woman in Kayak Case ::

By Lisa W. Foderaro, New York Times The woman who was charged with causing her fiance’s death while the two kayaked on the Hudson River will receive some portion of his insurance money, under the terms of a settlement reached this week. Last summer, after awaiting trial in a county jail for more than two years, the woman, Angelika Graswald, pleaded guilty to a reduced charge of criminally negligent homicide. She has since wrangled in court with the family of the victim, Vincent Viafore, over his life insurance policy. Under its terms, she was to receive $250,000. Graswald and Viafore, who had shared an apartment in Poughkeepsie, New York, had each been married twice before. In a statement,...

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The History of Life Insurance Settlements

As an aftermarket, the industry of life insurance is fairly new. However, the life insurance industry has a history that spans further than 100 years. The life settlement industry emerged after numerous, integral judicial events and people really understood life insurance history. In 1911, the U.S. Supreme Court designated al life insurance policies as private property, in the case of Grigsby v. Russell. According to justice Oliver Wendell Holmes, a life insurance policy encompasses all of the traits of personal property. Therefore, it possesses full functionality of an asset. He even portended that life insurance would become an exceedingly profitable investment in the near future. As a...

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What is a Viatical Settlement?, American Life Fund

What is a Viatical Settlement? It’s quite possible that you’ve never heard of the term ‘viatical settlement’ until this very moment. That’s because viatical settlements, while being common occurrences, aren’t widely discussed. Many people have no idea what a viatical settlement is or how it can benefit cancer patients. A viatical settlement takes place when a person with a serious illness, such as cancer, sells their life insurance policy for funds. It’s a viable financial solution for cancer patients who often need a large amount of financial assistance for items such as medical treatments or living expenses. Who Provides Viatical Settlements? Viatical settlements are usually done through...

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Life Settlements - Pros and Cons of Selling Your Life Insurance Policy

In some circumstances, primarily for seniors, a life insurance policy may no longer be needed or desired. Before you cash out of your policy, you should investigate life settlements, selling your policy to a third party for more than the policy’s cash surrender value. Why would you consider selling your policy? You might decide that changes in your life circumstances — such as the death of or divorce from a spouse or your children being grown and no longer need to be provided for – have gotten you to look closely at your life insurance, finding that your loved ones may no longer need the benefits of your life insurance policy after you’re gone. Or, if you’re facing mounting...

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The New Wave of Life Settlement Litigation Attacks on Cost of Insurance Rate Increases

Introduction Starting in 2015 and continuing into 2016, a number of insurance carriers raised the cost of insurance ("COI") rates on universal life insurance policies, resulting in dramatic increases to the premiums required to keep the policies in force. Insurers that raised COI rates include AXA Equitable Life Insurance Company, Transamerica Life Insurance Company, Lincoln Life & Annuity Company (as successor to Aetna Life Insurance and Annuity Company), Lincoln National Corporation (as successor to Jefferson-Pilot Life Insurance Company), Voya Retirement Insurance and Annuity Company (ReliaStar and Security Life of Denver policies), and Legal & General (Banner Life and William...

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Los Angeles STOLI Law Attorney, San Diego Life Insurance Attorney, Life Settlements Lawyer

Attorneys For STOLI Disputes Although illegal, it is not uncommon for a third party to take out a policy on an elderly or terminally ill individual for the sole purpose of waiting out the two-year contestability period and then selling the policy for a profit on the open market. Likewise, it is not uncommon for parties to be unjustly accused of such fraudulent dealings. At the Los Angeles law firm of Beitchman & Zekian, PC, we vigorously defend clients in a wide range of life settlement disputes throughout the U.S., including those involving misrepresentation, fraud and stranger-originated life insurance (STOLI) transactions. Insurable Interest Is The Touchstone The right of...

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Life Insurance Settlements, Viatical and Senior Life Settlement Options

Funds may be available where you least expect: Life/ Viatical Settlements The new "life insurance settlement" (AKA: Senior Settlement) options provide you with an alternative to simply lapsing a policy, allowing a term to expire, or accepting a "reduced paid up" because of a premium that you can no longer pay. The amount a company is willing to pay for your policy will depend on your age, your premium, and your health. It should not surprise you that if you are disabled or have a serious life threatening illness, a company is more likely to be willing to purchase your life insurance. That's because they don't expect you to live many more years, and when the death benefit is paid, they...

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Life Settlements

A life settlement differs from a viatical settlement, which is a sale of a life insurance policy to a third party by a terminally ill insured person. With a life settlement, the insured person’s health is fine or just beginning to decline. There are many reasons why a person may sell his or her life insurance policy, but the most common is a need for immediate cash. Although life settlements have become a common financial planning tool, they have also become an avenue for fraud or scams focused primarily on seniors. Many state insurance departments regulate the viatical settlement market, including life settlement transactions. LIFE SETTLEMENTS A life settlement is when a person insured by...

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Life Insurance Settlement

Life Insurance Settlement Life Insurance Settlement Options are used to distribute the proceeds of a life insurance policy to a beneficiary. A life insurance settlement can be made in cash...that is in one lump it can be made in the form of an income. There are several ways the income can be paid. Can you think of anything more important than your Family's Security? What would happen to Your Family if you died? Would they be provided for? Compare Quality Life Insurance Quotes from Quality Carriers and Save. Click Here To Get Started Life Insurance Settlement Options Let us look at what each life insurance settlement income option is all about and how they can apply to real life situations...

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