Senior Life Settlement-Uses and Applications -

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Senior Life Settlement-Uses and Applications

Senior Life Settlement-Uses and Applications

In a recent article in the National Underwriter (April, 2005) a Senior Life Settlement is depicted as an ingenious financial planning option available to consumers by providing access to secondary life insurance market through life insurance valuation ? a new trend, tool in the financial advisory services industry unlocking opportunity for many.

Sound investment practices require diligence and regular appraisal and valuation of assets. To date insurance policies were excluded from said valuations, due to the perceived absence of market for them. However, the landscape, opportunity and choices open to seniors, retirees etc. faced with a life settlement issue has changed significantly and people are taking notice.

The premise and principles seem to be simple and back to basics. Simply put, it means that life settlements offer qualifying life insurance policy owners the opportunity to sell policies that are no longer no longer adequately serving purpose or unnecessary, receiving significantly more than cash value for them in return. An interesting statistic from the context of senior life settlement (Conning & Company), states that as much as twenty percent of all insured over the age of 65 own policies with a market value exceeding surrender value.

A Senior Life Settlement may make sense for a variety of reasons:

? Premiums may be too expensive
? There been a sudden change in your health condition
? Your life insurance policy about to lapse shortly
? You have significantly more life insurance coverage than you need
? You would like to receive substantially more than the policy surrender value

Qualifying Policies Often Include:

? Joint Survivorship
? Whole Life
? Universal Life
? Variable Life
? Group Life
? Term Life

A Senior Life Settlement offers consumers the empowerment to make better financial planning decisions. A case example is quoted here to throw light on how senior life settlement could benefit a life insurance policy holder: Consider the case of a seventy-four year old female with a $10 million term policy. The annual premiums in excess of $300,000 no longer fit her financial plan so she planned to let the policy lapse. A financial advisor suggested an appraisal, which yielded two options: a $660,000 life settlement of a $3.5 million Settlement With A Paid-Up Policy (SWAPP). Instead of surrendering the policy for no value, the client chose the paid-up policy, eliminating her premium payments while addressing her estate planning needs.

In a recently published (March 4, 2005), Bernstein Research Call, an industry-accepted market forecasting tool and indicator to professionals in the financial advisor sector, it is stated that the Senior Life Settlement business, an emerging secondary market for life insurance, will grow more than ten-fold to $160 billion over the next several years.

http://www.life-settlementco.com/senior-life-settlement.html

Jon Thomas has been involved in finance and insurance, specializing in emerging growth markets since 1979. He continues to write articles concerning the public and their pressing financial concerns.

http://www.life-settlementco.com /senior-life-settlement.html

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://abcnews.go.com/Business/PersonalFinance/story%3Fid%3D5966689%26page%3D1cid=1255233354ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNGe9s1ljJLt8EUO5UeTQ42aLKihEwimg src=http://news.google.com/news?imgefp=f3EyX2qoJlgJimgurl=a.abcnews.com/images/Business/nm_safe_081006_mn.jpg width=80 height=60 alt= border=1brfont size=-2ABC News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattletimes.nwsource.com/html/businesstechnology/2008256756_pffundins12.htmlcid=1255233354ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNHLMZlDaq7ixAdpc1U2nT4-YelUFwFidelity, Vanguard join money-fund binsurance/b plan/abrfont size=-1font color=#6f6f6fSeattle Times,nbsp;United Statesnbsp;-/font nobr21 hours ago/nobr/fontbrfont size=-1Fidelity Investments have joined the US Treasury#39;s emergency binsurance/b program for money-market mutual funds, pushing the participation rate to more than 95 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/11/AR2008101100174.html%3Fhpid%3Dtopnewscid=1255233354ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNE_6HNlu6WvfWD0auqfYhYos7Hz1gFunds Turn To Treasury Guaranty/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thestate.com/business/story/551687.htmlcid=1255233354ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNExr3ENnp1VjD7_6WB_pc5QnvX5bgWorried about the economy?/a font size=-1 color=#6f6f6fnobrThe State/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.onwallstreet.com/asset/article/714411/money-market-mutual-funds-apply-treasurys.html%3Fpg%3Dcid=1255233354ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNHFkEk4ts99t8G0TjL4nlFlRkXpHAMoney Market Mutual Funds Apply for Treasury#39;s bInsurance/b Program/a font size=-1 color=#6f6f6fnobrOn Wall Street/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122360110812721677.html%3Fmod%3Dgooglenews_wsjcid=1255233354ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNF6LbCPviayojaTj5dqOh4OA4xKyQnobrWall Street Journal/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dallasnews.com/sharedcontent/dws/bus/columnists/pyip/stories/DN-moneytalk_06bus.ART.State.Edition1.26b606e.htmlcid=1255233354ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNGs9nqZahmnsPoW6INT0Voyxs_njwnobrDallas Morning News/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255233354hl=ennobrall 293 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.asahi.com/english/Herald-asahi/TKY200810130044.htmlcid=1255992539ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNHWx4UXz6FZaXB1n7BFdxVFjvHiZQEDITORIAL: Stock markets on ropes/abrfont size=-1font color=#6f6f6fAsahi Shimbun,nbsp;Japannbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1Adding to this unpleasant economic news, Yamato Life bInsurance/b Co., a midsize firm that invested heavily in REIT and other high-risk US financial b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hindu.com/thehindu/holnus/000200810101676.htmcid=1255992539ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNF-0q_V9O65u5yqrHe4bcStmNSa9gJapan#39;s Yamato Life bInsurance/b files for bankruptcy/a font size=-1 color=#6f6f6fnobrHindu/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/news/worldnews/asia/japan/3179580/Japan-in-desperate-effort-to-halt-its-own-downward-economic-spiral.htmlcid=1255992539ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNEmfTGlR2tHhfMXoa758TWCAaneSgJapan in desperate effort to halt its own downward economic spiral/a font size=-1 color=#6f6f6fnobrTelegraph.co.uk/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thehindubusinessline.com/blnus/10101205.htmcid=1255992539ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNEC9bfcABSt_W0EjrfRx7RKxhxo5wJapanese binsurance/b co Yamoto collapses; files for bankruptcy/a font size=-1 color=#6f6f6fnobrHindu Business Line/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ft.com/cms/s/179be274-96f3-11dd-8cc4-000077b07658.htmlcid=1255992539ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNH1N_iVRDpmuNnFeUue4BzXix9FXwnobrFinancial Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.yomiuri.co.jp/dy/business/20081011TDY01302.htmcid=1255992539ei=iNPySPTwL4_u6gOdoYmmBAusg=AFQjCNEuecMUAuu8siCKmaKepz7IZ7BcyQnobrThe Daily Yomiuri/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255992539hl=ennobrall 412 news articles/nobr/a/font/div/font/td/tr/table

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