Life insurance settlement

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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Life Settlements, Everything You Need to Know, Mason Finance

A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value but less than its face value, or death benefit. In a life insurance settlement transaction the policyholder transfers ownership to a life settlement provider. The former policy holder is no longer responsible for the policy premiums and receives a cash payment that’s larger than the surrender value of the policy. The life settlement provider is now responsible for all expenses related to the policy. Read on to learn more about life settlements. Age/Health: Most people that ultimately sell their life insurance are 65+ years old or have a serious medical condition....

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Life Insurance Settlement Options,

Shortcut: No obligation instant life insurance quotes will be displayed right away by filling out the form on the left. To learn more about life insurance settlement options please continue reading below. A settlement is the way in which your life insurance policy proceeds are paid out. There are many life insurance settlement options that can be confusing at first; your policy may pay out a lump-sum cash payment, life income, a fixed amount, or interest paid periodically. As a policyholder, you can usually choose the settlement method you prefer although your beneficiary may also get to choose. Most beneficiaries choose a lump sum payout but it’s a good idea to explore other options...

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Life Settlement Industry Overview - Corry Capital Advisors

Life Settlement Industry Overview A life settlement is the sale of an existing life insurance policy for more than its cash surrender value but less than its net death benefit to a third party. A life settlement focuses on policies insuring older individuals, typically 65 or over, with life expectancies of at least two years. In the United States, there is a total of $17 trillion in existing life insurance policies; currently persons over age 70 hold in excess of $257 billion in Whole Life insurance, over $370 billion in Universal Life, and over $60 billion in Variable Universal Life . The majority of life settlement transactions involve the sale of Universal Life (UL) or flexible premium...

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Life Settlement FAQs - Genensis

A life insurance settlement is the sale of a life insurance policy – usually insuring the life of an individual age 65 or older – to a third party for an amount greater than the cash surrender value. Life settlements allow the owner of a policy to obtain a cash payment while the new owner assumes the rights to the policy. The new owner continues to make the premium payments and, therefore, receives the proceeds from the death benefit. 2. Why would I consider the sale of my term, universal or whole life insurance policy to a life settlement company? Some of the reasons why you might consider selling your life insurance policy include: The life insurance policy is no longer needed or wanted....

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Life Settlements: Cash for Your Life Insurance Policy

Local Elder Law Attorneys in Providence, RI Such companies, which have sprung up only in the last several years, buy insurance policies -- term, whole life, universal and other types -- from seniors, pay the premiums, and collect the death benefit when the policyholder dies. Payments are usually significantly more than a policy's trade-in value (but less than the death benefit, of course). To give one example, a policy with $1.25 million in coverage and a $190,000 cash surrender value was sold to a life settlement company for $415,000. Life settlements are different from viatical settlements, in which a settlement provider purchases policies from policyholders who are terminally ill....

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Get Cash for Life Insurance Policy you no longer need. Call Ardan 800.699.3522

ARDAN, one of the nation’s oldest and most trusted Life and Viatical Settlement companies, is known for providing clients with the Best Value Settlement ℠ in an understanding, respectful and confidential manner. With over twenty-five years of solid experience in the profession, Director Paul S. Permison has been a driving force and pioneer in the development of the settlement industry. He and his team work very closely with private and institutional buyers throughout the world who purchase viatical and Life Settlement policies. His invaluable expertise enables Ardan to negotiate the best available price for your policy assuring the Best Value Settlement ℠ for Ardan clients. The hallmark of...

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