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Issue No. 135, May 29, 2024 Everyone is Talking About Life Settlements – Are YOU??? On April 20, 2009, we published the first of these newsletters about life settlements. At that time, it was a relatively new transaction and many insurance companies actively discouraged or barred their producers from negotiating a life settlement on behalf of their clients. And today, in a now well-regulated industry, thousands of successful life settlements have been transacted, bringing billions of dollars to policyholders. When done for the right reason, as an alternative to the lapse or surrender of a po ..read more

A viatical settlement is a financial transaction where a policyholder sells their life insurance policy to a third party for a lump sum cash payment, typically utilized by individuals facing terminal or chronic illnesses. As presented by Life Insurance Settlements, Inc., let’s delve into a hypothetical viatical settlement scenario to gain comprehensive insights into the workings of these transactions. Through this illustrative example, we will explore the intricate process of selling your life insurance policy through a viatical settlement and the profound impact it can have on financial stabi ..read more

When faced with health challenges and financial uncertainties, understanding the concept of a viatical settlement becomes crucial. Life Insurance Settlements, Inc. is here to illuminate the path to comprehending viatical settlements and their significance in the realm of life insurance settlements. Explore the intricacies of viatical settlements and how they provide a lifeline for individuals considering selling their life insurance policies. Definition of a Viatical Settlement A viatical settlement is a financial transaction where a policyholder sells their life insurance policy to a third p ..read more

Discovering the primary feature of a viatical settlement is crucial for individuals considering this financial option. With Life Insurance Settlements, Inc. as your guide, let’s delve into the core aspect that defines viatical settlements and sets them apart in the realm of life insurance settlements. Tailored for the Terminally Ill The primary feature of a viatical settlement is its focus on individuals who are terminally ill. Unlike traditional life settlements that cater to a broader range of policyholders, viatical settlements specifically target individuals facing terminal conditions. Th ..read more

At Life Insurance Settlements Inc., we know that understanding the factors that influence viatical settlement payouts is crucial for policy owners considering selling their life insurance policies. Let’s explore the typical payout structures and key considerations in viatical settlements. Life Insurance Policy Cash Value The cash value of a life insurance policy forms the basis for calculating the payout to a policy owner in a viatical settlement. Policy owners can anticipate receiving a percentage of their policy’s cash value as a lump sum payment when entering into a viatical settlement agr ..read more

At Life Insurance Settlements, Inc., we understand the importance of knowing who buys viatical settlements in the ever-evolving life settlement market. By exploring the key players in this industry, policyholders can make informed decisions about selling their life insurance policies for a cash settlement.  Institutional Investors Institutional investors play a significant role in the viatical settlement market by providing the necessary capital for life settlement transactions. These entities, such as investment firms and pension funds, seek opportunities to diversify their portfolios a ..read more

Life settlements are a fascinating aspect of the financial world, providing a secondary market for life insurance policies that benefits both policy sellers and institutional investors. However, some sellers may have concerns about the use of their policies after selling them. That’s why this week, we want to address those concerns. In our latest episode, Mark Mrky and Rob Haynie sit down with Jose Garcia, Chief Executive Officer at Carlisle Management Company S.C.A., to gain insight into the perspective of a buyer and investor of life settlements. Tune in as they discuss the mechanics of sell ..read more