benefits in excess of $240 million annually for life insurance policyholders who have exercised their option to sell their policies at a competitive rate," according to the research. Selling Your Policy You could be a prime candidate if you are of retirement age, have paid off your mortgage and other debts, and no longer require the financial protection of life insurance. The amount you receive will depend on your age, health, death benefit, and the number of years your policy has been in force. Seniors with the greatest chance of selling their policies are those that are older than 65 years of age, have a calculated life expectancy of more than two years (but less than 10 years) and may have experienced a health change that has led to their insurance premiums increasing. Depending on the policy holderÆs life expectancy, just about any type of policy can be sold, including universal life, whole life and convertible term contracts. However, policies generally must be valued at least $100,000. Determining whether to sell your life insurance policy is a purely personal decision. You might consider a life settlement under the following circumstances: ò Your employment status has changed. ò You need additional funds to pay medical/long-term care expenses. ò Your insurance premiums are too expensive and you can no longer afford them. ò You would like to implement a charitable or family gifting plan. ò You are facing bankruptcy. Consulting with an Advisor Before you decide to sell your insurance policy, you should examine all the available options, advises the American Council of Life Insurers, a Washington D.C.- based trade group. And instead of going it alone, consult with a financial advisor who is familiar with life settlements. This could include account/CPA, lawyer (especially elder law attorney), financial/estate planner, certified senior advisor or charitable trust officers. Additionally, you might consider working with a brokerùalthough your financial advisor can submit your case to the life settlement company directly. However, in an industry where market value for life insurance policies may be unfamiliar, brokers typically do the best job of getting fair market value for policies. They submit life settlement cases and bids to multiple companies, which can facilitate negotiations between high bidders. Keep in mind that life settlement companies are essentially investors that fund many transactions each year. They hold purchased policies as portfolio assets,
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Alexandre Almeida Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alexandre Almeida Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alexandre Almeida Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alexandre Almeida Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alexandre Almeida Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Alexandre Almeida Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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