Life Settlement Fractional Ownership

Anyone have any more info about a program like this? Found this ad…

Owners of Life Insurance Policies that no longer meet their needs often choose to sell their policy in the Life Settlement Market. Investors purchase the ownership/beneficiary position at a discount to face value. For many years large banks and insurance companies have been the primary players and have enjoyed safe, predictable, double digit returns. If you are an accredited investor I can introduce you to companies that access the Life Settlement Market and provide opportunities for Fractional Ownership of policies.

Should you decide that the investment meets your growth and safety objectives you will be provided references and invited to review the companies top to bottom. All funds invested are processed through a 3rd party escrow agency which also disburses funds upon policy maturity.

If an asset class that has no stock market exposure or economic cycle risk sounds better than your current situation, please reply. We will provide any information you desire to feel comfortable with this exceptional product.

More Life Settlement Investing Resources:
Life Settlement Funds
Life Settlement Investment Returns

First, learn about Life Settlement and the Life Insurance Settlement Industry. You should start at Life Settlement and then head over the Life Settlement News.

After you have a little grasp of the product now is the time to start presenting or marketing to clients. You list your company or personal info on Life Settlement Information, you can get free tips at Life Settlement Marketing, and you can join a very low cost Life Settlement Leads program.

It is important to do you due diligence, review the company or investment firm and see if they come up on Life Settlement Fraud.

If you don’t have a book of business or would want to work for an actual life settlement firm, trying visiting Life Settlement Jobs.

Hope this help, and enjoy your success!

All Life, Heath, and Annuity Agents and Brokers who sell and/or service life insurance policies should add life settlements to their current business practices.  Here are a list of questions that an agent should ask themselves when evaluating a policy to discover its suitability for a Life Settlement.

Ask, “What are the personal and business insurance needs of my clients?

Ask, “How long should the policy’s coverage be maintained?

Ask, “If estate tax is removed, how much coverage would be redundant?

Ask, “What is the amount of after-tax funds that each policy owner will receive from a Life Settlement?

Ask, “What additional investments or insurance could be purchased with Life Settlement proceeds?

Ask, “Should additional policies or coverage be secured, before completing a Life Settlement transaction?

Ask, “If new insurance is needed, what type of polices should be considered? Whole life, term, Universal lIfe, joint insurance plans?

Ask, “How much of any new coverage should be owned by a Trust?

Make sure you have questions like these ready to be answered with all of your current clients.  You do not want to miss an opportunity to help them increase their financial wealth with no risk or cost to them.

We recommend you do your research and due diligence before entering into any investment agreement.

Big Announcement regarding Life Settlement Investments
IRS on Taxing Life Settlements
Life Settlement Tax
Life Settlement Funds
Life Settlement Investing Space Gaining Ground

Beware or large portfolio sellers or investment groups offering pieces of portfolios. We have noticed that a large percentage of the portfolios on the market are either a collection of premium financed policies or BI policies (Beneficiary Interest).

Life Settlement Info has a limited listing program for life settlement professionals, companies, and firms associated with the industry.

It is a good way to receive Life Settlement Leads as well as quickly add credibility and exposure to your business.

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1) Life insurance requires ongoing premiums from policy owners to keep policies in force.
2) Life insurance companies have obligation to pay death benefits upon maturity = BIG LIABILITY.
3) Weak financial market = difficult to pay ongoing premiums = policy lapse rate goes up.
4) Policy lapse rate goes up = Life insurance business liabilities go down.
5) Life insurance business liabilities go down = Life insurance business profits go up.. IN A VERY BIG WAY

More Creative Life Insurance examples…

Now is the time to take advantage of the Life Settlement Business.

Find Life Settlement Companies

Life Settlement Industry Vows Renewed Effort to Promote Effective Legislative Policy Making and Consumer Education

ORLANDO, FL, Nov 13, 2008 (MARKET WIRE via COMTEX) — Democratic political strategist Mark Penn addresses how the industry can improve public image at the Life Insurance Settlement Association’s 14th Annual Conference.

Life settlement industry leaders have pledged to expand their current legislative advocacy and consumer education initiatives in order to counter lingering public misconceptions caused, in part, by recent media reports.

Hundreds of financial professionals gathered at the Life Insurance Settlement Association’s (LISA) annual fall conference, held November 6-7 in Washington, D.C., to address concerns such as stranger-originated life insurance (STOLI) and its perceived link to legitimate consumer-friendly life settlements. STOLI is the initiation of a life insurance policy for the benefit of a person who, at the time of the creation of the policy, has no insurable interest in the insured.

LISA President David Hartman told attendees that the general public perception of STOLI fraud as a serious danger still remains even though a crackdown led by state regulators, industry advocates and consumer watchdogs has essentially shut down the few operators buying the illegally obtained policies as investments.

“STOLI is dead,” said Hartman. “It doesn’t exist anymore. [STOLI investors] can’t make money on it. None of the investors can take the risk of coming up with a goose egg at the end of the day.”

Conference keynote speaker Mark Penn, a former chief political strategist for Hillary Clinton, advised life settlement officials to combat negative media reports by ensuring that the industry makes its voice clearly heard in the public forum. He argued that a major reason for the current lack of faith in the financial markets is because there has not been a national economic spokesperson designated to reassure consumers.

“The best strategy is to tell your story and get the facts out there even though it is difficult to do that in this economy of fear,” said Penn, who now serves as worldwide president and CEO of Burston-Marsteller, a public relations firm.

Another major topic of conversation at the conference was the increased level of legislative activity forecast for 2009. In the past 10 months, 30 states considered legislation in life settlements and 11 of them enacted new laws. Unfortunately, all of the new bills addressing settlement regulation are often falsely labeled as just “STOLI Legislation” by life settlement opponents. LISA officials promised to work in cooperation with regulators and legislators in each state to ensure that state officials pass laws regulating life settlements, but do not infringe upon the property rights of consumers to sell their policy on the secondary market.

Representatives from consumer groups and members of academia also discussed how understanding the perception of life settlements outside of the industry can help industry players better deal with clients and suppliers. Both groups suggested that the industry should present more independent data showing how life settlements can offer valuable financial benefits for qualified seniors.

A spokesperson for AARP, the largest membership organization for people age 50 and over with more than 39 million members in the United States, claimed that improved disclosure protocols would likely help consumer awareness and improve the life settlement industry’s public image.

“We are saying that [life settlements] can be a useful tool for people making end of life decisions,” said Ryan Wilson, strategic policy advisor for AARP. “What we really think is important is that the person entering the transaction fully understands all the consequences of the transaction.”

“Consumers often have difficulty finding the answers they need because many insurers regularly attempt to hide the value of the life settlement option to the consumer,” said Doug Head, LISA’s Executive Director. “Throughout our existence, our goal has been to help further the education and financial well-being of consumers, investors and the life settlement industry — not just the insurance companies.”
About LISA

Established in 1994, the Life Insurance Settlement Association is the oldest and largest trade organization in the industry. Its goal is to promote the development, integrity, and reputation of the life settlement industry, and to promote a competitive market for the people it serves. LISA now represents 187 members with a wide variety of interests in the industry. For more about the Association, visit www.thevoiceoftheindustry.com.

Information resources:
Life Settlement Info
Life Settlement Information
Life Settlement News
Life Settlement Daily

Most life insurance policies are originally purchased to protect families and loved ones, but nearly 85 percent of these policies never pay a benefit.* Life settlement allows a policyholder to sell their policy in exchange for a lump sum cash payment that is greater than the policy’s cash surrender value. Previously used predominantly by the wealthy and those with financial planners, life settlement offers a compelling way to generate cash independent of a credit history.

* Understanding Life Settlements and Industry Issues Entering 2008, Insurance Studies Institute, 2008

There are a couple ways to see if a Life Settlement is right for you:

• Call 1-888-973-8377 and speak with a Life Settlement Professional
• Visit Life Settlement Info and read their Life Settlement Page, download their worksheets, or contact one of their recommended specialists.
• Get multiple quotes at Life Settlement Quotes

We hope this information is helpful to you. Post a comment below with any feedback or direct questions.

One low cost option for life settlement leads is with a listing on LifeSettlementInfo.com. This is a wonderfully designed site that almost acts as a “Yellow Pages” to the Life Settlement Industry. Consumers and professionals alike visit Life Settlement Info. For a low annual cost you receive a listing on the website, personal web page, and all your contact information. Not only can this generate leads it can also greatly increase your credibility in the industry.

Check out the Life Settlement Leads page for more info. Click Here