Sentences with phrase «in a life settlement transaction»

An advisor's important role in a life settlement transaction is to protect their client.

In a life settlement transaction, the policy's owner transfers ownership of the policy to the buyer in exchange for an immediate cash payment and, in some instances, a reduced interest in the death benefit for the policy's beneficiaries.

Thus, again, policies with less cash value — and a policyowner who doesn't want to make ongoing premium payments — tend to be the better candidates for creating value in a life settlement transaction.

Not exact matches

And this is in spite of the fact that «Wells Fargo is one of the largest sponsors of Lisa.org which is the Life Insurance Settlement Association; an association that has been in business for 20 years helping seniors get the most out of their life settlement transactions.&raLife Insurance Settlement Association; an association that has been in business for 20 years helping seniors get the most out of their life settlement transactioSettlement Association; an association that has been in business for 20 years helping seniors get the most out of their life settlement transactions.&ralife settlement transactiosettlement transactions.»

Technically, though, there is a third option to the «keep versus lapse» decision of life insurance: to sell the policy to a third party in a transaction called a «life settlement» to an (institutional) investor who might be willing to pay more than just the policy's cash value (or the $ 0 value that might be available if the coverage just lapses on its own).

In this guest post, Lingke Wang — co-founder of Ovid Life, a technology firm aiming to create a centralized transparent marketplace for life settlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policLife, a technology firm aiming to create a centralized transparent marketplace for life settlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurancsettlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policLife Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurancSettlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurancsettlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife insurance policy!).

The parties and the entire Collaborative Team work together to accelerate the settlement process and keep your transaction costs down so that you and your spouse can begin rebuilding your lives in your post-divorce reorganized family.

As with all important business transactions, policy owners and insureds must be careful not to be the victim of fraud or to commit fraud in connection with a life settlement.

In April, SEC head Mary Schapiro suggested in a letter to Congress» Special Committee on Aging that life - settlement transactions may soon require SEC registratioIn April, SEC head Mary Schapiro suggested in a letter to Congress» Special Committee on Aging that life - settlement transactions may soon require SEC registratioin a letter to Congress» Special Committee on Aging that life - settlement transactions may soon require SEC registration.

LISA was established in 1994 and has played a key role in developing legislation and regulations as the foundation for an open, transparent and competitive market for the transaction of life settlements.

When a consumer sells a policy in a «life settlement» transaction, the policy owner receives a cash payment and the purchaser of the policy assumes all future premium payments — then receives the death benefit upon the death of the insured.

A life settlement is a transaction in which an existing life insurance policy that is no longer needed or is in danger of lapsing is offered for sale to institutional investors in the secondary market.

But with proper due diligence performed on the life settlement broker, the life settlement company and any other entity involved in the transaction, an individual should be able to allay all of these fears.

Ironically, the biggest caveat of engaging in a life settlement is the reality that any life settlement policy worth selling to an investor is worth even more in the long run for the policyowner to just keep themselves, where the internal rate of return will be even more appealing (since the investor has both transaction costs to acquire the policy, and does not enjoy the death benefit tax free as the original policyowner would).

Should this be the right decision for you, however, the funds that are received from a life settlement transaction can make a big difference in the way that many seniors plan for retirement or other financial needs.

In some cases, the accrued loan interest on a life insurance policy is so severe that there's no way to save the situation — necessitating either a surrender of the policy, or perhaps a life settlement sale transaction for an older insured.

A life settlement transaction will be most favorable for an insured who has had a significant adverse change in health, such that the policy is likely to pay out as a death benefit sooner rather than later (and thus why the buyer will pay more); the caveat, however, is that in such situations, it's especially appealing to keep the policy for that very reason (as if it's good for the investor, it's good for the original policyowner, too!).

Technically, though, there is a third option to the «keep versus lapse» decision of life insurance: to sell the policy to a third party in a transaction called a «life settlement» to an (institutional) investor who might be willing to pay more than just the policy's cash value (or the $ 0 value that might be available if the coverage just lapses on its own).

For insurance policies on those who are at least in their 60s (or older), another alternative to consider is a life settlement transaction.

However, because a life settlements transaction itself — the purchase and change in ownership — are not themselves reportable events, the IRS has struggled to track whether buyers of life settlements transactions are properly reporting their taxable death benefits (or not).

In this guest post, Lingke Wang — co-founder of Ovid Life, a technology firm aiming to create a centralized transparent marketplace for life settlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policLife, a technology firm aiming to create a centralized transparent marketplace for life settlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurancsettlements transactions — provides a «Financial Advisor's Guide To Life Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policLife Settlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurancSettlements» with a detailed review of the life settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlement industry, what a life settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlement provider is and how life settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurancsettlements operate, and the mechanics of how an investor evaluates a prospective life settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife settlement contract purchase (which is important to understand for any policyowner who might be selling their life insurance policlife insurance policy!).

A life settlement is a transaction in which someone sells a life insurance policy to a third - party investor.