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Universal Life Premiums: Rising Insurance Policy Premiums

Older Americans today have many excellent reasons to pursue the sale of a life insurance policy in a life settlement, but one of the most prevalent reasons is the continuous cost of paying premiums. And for those maintaining a universal life policy, a recent Wall Street Journal article links these higher premiums to a historic Read more >>

Picking A Life Settlement Provider

In this era of Uber, crowdsourcing and customized television streaming, many seniors are also opting to eliminate the middleman for certain big financial decisions. A relationship with a trusted advisor can be incredibly valuable, but consumers who are considering a life settlement might save money and time by arranging the sale of their insurance policy Read more >>

Selling Your Life Insurance Policy

A life settlement is the sale of an inforce life insurance policy for a market value return. Policyholders receive more than the cash surrender value of their policy but less than the death benefit at maturity. The market value depends on the age and health condition of the insured, but often is in the range Read more >>

Nine Reasons to Consider a Life Settlement in 2020

The right life insurance policy can be an important safety net at the time it is purchased, and the injured can live for many years knowing that loved ones will be taken care of if something unforeseen happens. But such policies can outlive their usefulness, and many people fail to realize that a life insurance Read more >>

Lapsing Life Insurance Policy: Options in 2020

Sometimes insurance policies that seemed like a good idea during an individual’s middle-aged years can become a burden as that person ages. There are good reasons for a policyholder to shed such an unwanted policy, but what many people don’t understand is that there are other options to lapsing a life insurance policy. If premiums Read more >>

When Families Change, Life Insurance Needs Can Change Too

When someone takes out a life insurance policy in their ‘30s, ‘40s or ‘50s, that purchase is predicated on assumptions about the future of the policyholder’s family. But unexpected changes to the family structure can occur over the years, and for seniors those changes might lead to the consideration of a life settlement. Insurance For Read more >>

Insurance Overload: Insurance Premiums too Expensive

Insurance Overload is when an insurance policy holder is overwhelmed financially with the cost of premiums – leading to a lapse in their policy. It’s an idea reinforced from the very advent of adulthood: it’s better to have too much insurance than too little. In the case of retirees, over insurance is a very real possibility, Read more >>

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