Life Settlements

Life Settlements LifeGuide™ offers financial information and expert life insurance evaluations for seniors looking to sell underperforming policies and access our highly experienced referral network of planning professionals.

LifeGuide™ brings a completely new approach to senior planning including options such as a Life Settlement. With decades of experience helping people with financial, medical and emotional situations, we take a holistic approach to assisting our clients better manage their golden years.

LifeGuide™ brings a completely new approach to senior planning including options such as a Life Settlement. With decades of experience helping people with financial, medical and emotional situations, we take a holistic approach to assisting our clients better manage their golden years.

Operating as usual

For agents and advisors who are under 50, the term “inflation” does not have a huge meaning beyond the textbook definiti...
07/14/2021
Life Settlements as a Hedge Against Inflation

For agents and advisors who are under 50, the term “inflation” does not have a huge meaning beyond the textbook definition. Read up.

While time will tell if inflation becomes a problem for seniors, the current fear is real, and a life settlement may be the answer for your clients. It starts with a policy appraisal.

Have you recently purchased more life insurance?  Are you part of the boom?
07/07/2021
Interest in Life Insurance Grows as Applications Increase

Have you recently purchased more life insurance? Are you part of the boom?

Understanding the demand for whole life vs. universal life insurance is important for underwriting life insurance policies. An increase in application activity for whole life insurance and universal life insurance will most likely continue to rise.

How can a person convert an affordable, but ending, term life insurance policy and sell it correctly for cash?
07/07/2021
Term Life Insurance Conversion Option and Life Settlements

How can a person convert an affordable, but ending, term life insurance policy and sell it correctly for cash?

Many senior clients over 65 years of age aren't aware that a term life insurance policy (if convertible) can be sold on the secondary market for a significant cash payment.

07/07/2021

How are we doing? Are we answering your questions about life settlements?

Trying to interpret various tax codes isn't an easy task for most people. This is especially true with a life settlement...
05/27/2021
Do I Have to Pay Taxes on Life Insurance Settlement?

Trying to interpret various tax codes isn't an easy task for most people. This is especially true with a life settlement tax.

Do you have to pay taxes on life insurance settlements? The simple answer is yes, as a life settlement is taxable to the amount of profit.

What is PolicyAppraisal.com? The game changer. #lifeinsurance #lifeinsuranceagent #lifeinsuranceagents #brokerdealer #br...
05/20/2021
Policy Appraisal Service | Pre-Qualify Any Life Settlement

What is PolicyAppraisal.com? The game changer.
#lifeinsurance #lifeinsuranceagent #lifeinsuranceagents #brokerdealer #brokerdealers #policyappraisal

Policy Appraisal is a new approach to helping life insurance agents and life settlement brokers evaluate policy cash value and earn commissions or referral fees.

Privacy issues have been at the forefront of the life settlement industry since it began more than 25 years ago.  See ho...
05/06/2021
How a Policy Appraisal Protects Client Privacy

Privacy issues have been at the forefront of the life settlement industry since it began more than 25 years ago. See how we are helping combat it. #lifeinsuranceagents #policyappraisal #lifesettlement #PrivacyMatters #IdentityTheft #lifeinsurance

Privacy issues have been at the forefront of the life settlement industry since it began more than 25 years ago. The industry pre-dates the landmark Health Insurance Portability and Accountability Act of 1996.

Identity theft is a major issue for people of all ages. However, elderly people are especially at risk, as one in ten Am...
05/06/2021
Ways to Protect Seniors Against Identity Theft

Identity theft is a major issue for people of all ages. However, elderly people are especially at risk, as one in ten Americans who are 65 or older and live at home will become victims of elder fraud. #seniors #ageinggracefully #Retired #IdentityTheft

Stopping identity theft isn't always possible due to the almost countless number of scams. However, keeping a few things in the back of your mind can help you reduce the chance of becoming the victim of identity theft.

Buying life insurance is a great way to keep your family protected in the event of a tragedy. However, you may want to s...
05/06/2021
Everything You Need To Know About Life Settlements

Buying life insurance is a great way to keep your family protected in the event of a tragedy. However, you may want to sell your life insurance policy eventually. #lifesettlement ##lifeinsuranceagents #policyappraisal #Retirement

A life settlement is also another way to supplement your retirement. Keeping all of these things in mind is important if you are thinking about selling your life insurance.

The cumulative cost of cancer treatment can be overwhelming. #Cancer #policyappraisal #lifesettlement #cancersurvivor
04/21/2021
Avoiding the Financial Toxicity of Cancer - CONQUER: the patient voice

The cumulative cost of cancer treatment can be overwhelming. #Cancer #policyappraisal #lifesettlement #cancersurvivor

The cumulative cost of cancer treatment can be overwhelming. From testing to medications, financial stress can quickly build up. Regardless of whether you have health insurance or not to cover your cancer treatment, you will most likely have out-of-pocket expenses.

It's no secret that insurance companies don't like the life settlement industry.
04/09/2021
Even Captive Agents Can Take Advantage of Life Insurance Policy Appraisals

It's no secret that insurance companies don't like the life settlement industry.

We know that insurance companies make most of their money when policies lapse, and it’s fair to say that if every life insurance policy was purchased as a life settlement, then the entire industry would collapse.

What is PolicyAppraisal.com? The game changer.#lifeinsurance #lifeinsuranceagent #lifeinsuranceagents #brokerdealer #bro...
04/07/2021
We're Changing The Game - Life Insurance Policy Appraisal Experts

What is PolicyAppraisal.com? The game changer.
#lifeinsurance #lifeinsuranceagent #lifeinsuranceagents #brokerdealer #brokerdealers #policyappraisal

They say never leave money on the table. When it comes to life settlements, the transaction starts off with the total amount of cash the Investor will pay f...

Last spring, we had no idea what effect the Covid-19 pandemic would have on life insurance policies. Sadly, we all knew ...
03/19/2021
Plunge in U.S. Life Expectancies Can Lead to Higher Life Settlements | ThinkAdvisor

Last spring, we had no idea what effect the Covid-19 pandemic would have on life insurance policies. Sadly, we all knew that many people were going to succumb to the coronavirus and that it could have an impact on life expectancies and how insurance companies view individual policyholders.

A policy appraiser looks at how the pandemic has affected the market for in-force policies.

Finding a qualified person to prequalify a life settlement isn't always an easy process. In the past, it was common to p...
02/26/2021
Life Insurance Settlement Options - How to Get Full Value

Finding a qualified person to prequalify a life settlement isn't always an easy process. In the past, it was common to partner with a life settlement broker. Enter the appraisal professionals.

Finding a qualified person to prequalify a life settlement isn't always an easy process. In the past, it was common to partner with a life settlement broker.

How Much do the Pounds Matter when Calculating a Policy Appraisal for the Secondary Market #lifesettlement #LifeSettleme...
09/17/2020
Body Weight, Longevity and Policy Appraisals Go Pound for Pound

How Much do the Pounds Matter when Calculating a Policy Appraisal for the Secondary Market #lifesettlement #LifeSettlements #lifeinsuranceagent #lifeinsurance

As part of our policy appraisal services, we include longevity estimates based on your client’s rating at the time the policy was issued.

Find the Value in Life Insurance Again
04/21/2020
Many Seniors Need to Monetize their Most Stable Asset

Find the Value in Life Insurance Again

One of the most widely anticipated provisions of the Coronavirus Aid, Relief, and Economic Security (CARES) Act is the one-time stimulus checks promised to Americans in the coming weeks.

Bankruptcy is a Toxic Symptom of Cancer
03/03/2020
Bankruptcy is the Newest Symptom of Cancer  – USA TODAY Classifieds

Bankruptcy is a Toxic Symptom of Cancer

Chances are you, or someone you know, has cancer. The latest statistics from the American Cancer Society show that 1 in 2 males and 1 in 3 females are at risk of developing cancer in their lifetime. [1] The risk of dying is 1 in 5 for both males and females.

Get Tough on Medical Bills with this idea
12/26/2019
Financial Toxicity: Surviving the High Cost of Serious Illness

Get Tough on Medical Bills with this idea

If you are diagnosed with cancer, which expert should you see first: a medical specialist or a money manager? Surprisingly, option two might give you the best hope of surviving with your health and...

Thoughts go out to Jane.
04/10/2019
Jane Fonda Gets Candid about her Battle with Cancer

Thoughts go out to Jane.

Jane Fonda reveals ongoing cancer 'process' There's something to be said for the glamourous life – the sun, the sand … the skin cancer. Just ask actress and former fashion model Jane Fonda. "I've had a lot of cancer," she says. "I was a sun-worshipper. When I have a day off, I frequently go to m...

Seniors jumping into Social Media May just Live Longer.
02/20/2019
How Social Media Could Increase Longevity For Seniors

Seniors jumping into Social Media May just Live Longer.

Connectivity is crucial for seniors who may have a dwindling circle of support for reasons ranging from contemporaries who have passed away to mobility issues and more frequent illness or ongoing health concerns.

Insulin use for #Cancer #cancerawareness #livestrong
01/28/2019
Insulin Potentiation Therapy

Insulin use for #Cancer #cancerawareness #livestrong

Insulin Potentiation Therapy was developed in the 1930s by Dr. Donato Perez Garcia Sr. IPT originated from personal experience; Dr. Perez used insulin on himself. He used it to treat a chronic gastrointestinal condition which had resisted all forms of conventional treatment available to him at that....

Robert Redford Retires
08/10/2018
Robert Redford announces he's retiring from acting

Robert Redford Retires

One last job. It’s a theme that’s powered many Hollywood crime stories. For Robert Redford, “one last job” isn’t just one of the loose themes in his forthcoming movie "The Old Man & The Gun": The film is quite literally his final acting gig.

06/14/2018
"SING, SING, SING" BY BENNY GOODMAN

BOOGIE

Writen by Louis Prima in 1935, This is not much of a song from WW2 but it is one of the most famous songs from the Big Band era

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The Fountains At Piedmont Center 11 Piedmont Center Suite 910
Atlanta, GA
30305

General information

Although the secondary market for life insurance is relatively new, the market was more than 100 years in the making. The life settlement market would not have originated without a number of events, judicial rulings, and key individuals. The U.S. Supreme Court case of Grigsby v. Russell, 222 U.S. 149 (1911) established a life insurance policy as private property, which may be assigned at the will of the owner.[2] Justice Oliver Wendell Holmes noted in his opinion that life insurance possessed all the ordinary characteristics of property, and therefore represented an asset that a policy owner may transfer without limitation.[2] Wrote Holmes, “Life insurance has become in our days one of the best recognized forms of investment and self-compelled saving.” This opinion placed the ownership rights in a life insurance policy on the same legal footing as more traditional investment property, such as stocks and bonds. As with these other types of property, a life insurance policy could be transferred to another person at the discretion of the policy owner. This decision established a life insurance policy as transferable property that contains specific legal rights, including the right to: Name the policy beneficiary Change the beneficiary designation (unless subject to restrictions) Assign the policy as collateral for a loan Borrow against the policy Sell the policy to another party In the 1980s, the U.S. faced an AIDS epidemic.[2] AIDS victims faced short life expectancies, and they often owned life insurance policies that they no longer needed.[2] As a result, the viatical settlement industry emerged.[2] A viatical settlement involves a terminally or chronically ill person (with less than two years life expectancy) who sells his or her existing life insurance policy to a third party for a lump sum.[2] The third party becomes the new owner of the policy, pays the premiums, and receives the full death benefit when the insured dies.[2] Because of medical advancements, people with AIDS started living longer and therefore viatical settlements became less profitable.[2] As a result, the life settlement industry arose.[2] A life settlement is similar to a viatical settlement, but in a life settlement transaction, the insured is typically at least 65 years old and is not chronically or terminally ill.[2] In 2001, the National Association of Insurance Commissioners ("NAIC") released the Viatical Settlements Model Act, which set forth guidelines for avoiding fraud and ensuring sound business practices. Around this time, many of the life settlement providers that are prominent today began purchasing policies for their investment portfolio using institutional capital. The arrival of well-funded corporate entities transformed the settlement concept into a regulated wealth management tool for high-net-worth policy owners who no longer needed their policies. On April 29th, 2009, the United States Senate Special Committee on Aging conducted a study and came to the conclusion that life settlements, on average, yield 8x more than the cash surrender value offered by life insurance companies. [3]

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