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Top Life Settlement Prospects: Are they being overlooked
Top Life Settlement Prospects: Are They Being Overlooked?
By Robin S. Weinberger And Peter N. Katz, January 17/2014
Term life insurance policies often make the best prospects for a life settlement. The reason is that settling a convertible term life policy can work especially well for both policyholders and investors.Yet, strangely, term policies also represent the most frequently overlooked prospects for life settlements. That’s because there are still large numbers of producers and advisors who don’t realize convertible term insurance,including group term, can be sold in a life settlement. From the policyholder’s standpoint, settling a term policy can be a great opportunity. Term is usually bought to cover a temporary, rather than permanent, life insurance need. When the need ends, the life insurance policy is usually allowed to lapse. A term life settlement is a great way to obtain surprise cash for a policy that would otherwise terminate without value.
For investors, settling a convertible term policy usually means that they will be buying a policy that is convertible to the latest generation of universal life. New policies often feature lower mortality rates than older policies.Getting a new policy also gives investors the opportunity to manage the policy premium flow to maximize their internal rate of return on the death benefit. The combination of these factors makes convertible term policies particularly attractive to life settlement investors and that, of course, translates into better potential offers for your clients.
For producers, term life settlements can be rewarding as well. Not only are you discovering money for your clients, but since term policies are generally converted upon settlement, you can earn a conversion commission. Many of our term life settlements have been what we call ” partial settlements”.If the policy owner has a continuing need for the life insurance coverage, a portion of the policy can be settled. The proceeds can then be used to help the policy owner convert the remaining portion of the term insurance. That’s right: A term life settlement can help your clients keep more life insurance in force!
An important factor about term insurance and its potential for a life settlement is that, frequently, policy owners cannot procrastinate about making a decision. They are compelled to act on a timely basis or forever lose the opportunity. Term by its very nature is limited in duration, as are the conversion privileges of most term policies. before the clock winds down on the guaranteed premium period and the conversion privilege, a policyholder must act.
What can you as a producer, do to make the most of the term life settlement opportunity? First, you must make certain that you monitor your clients’ term insurance policies by knowing when the guaranteed premium paying period expires as well as when the conversion privilege ends. Second, you should make other advisors like accountants and attorneys aware that term insurance can be settled- something they, all too often, do not know.
Term life insurance does a great job of covering temporary needs at an affordable price. However, once these needs have been satisfied, term policies make great life settlement prospects. You owe it to your clients to make sure that those settlement opportunities are not allowed to slip by.
Life Settlements Are Definitive Financial Instruments With Great Surety
The acquisition of high investment grade (AAA equivalent) Life Settlement Insurance Policies can provide investors with a valuable tool in mitigating the risks associated with raising capital for seed stage, development stage, venture capital and other higher risk investment ventures.
Life settlements are definitive financial instruments with great surety; there is the certainty of a payment event, a secure expectation of payment from an “A+” rated insurance company, and a clear expectation of the payment amount. Life settlements are analogous to U.S. treasury zero-coupon bond instruments, which have the least amount of risk ( high investment grade), but with the potential to generate much higher returns that is normally available, over a shorter period of time. Also, there is no tax impact on life settlements until maturity ( the death of the insured). In addition to using these instruments to mitigate investment risk, life settlements can also represent a strong stand-alone investment opportunity for qualified institutional clients or private clients.
With life insurance held by people over 65 estimated to be in excess of $1 Trillion in North America alone, it is clear that life insurance settlements is a market with large growth potential, one deserving of investor consideration. According to a 2005 Bernstein Research report, it is estimated that the ” secondary market for life insurance will grow more then tenfold to 160 billion over the next several years ”
Investing in life settlements has gained attention from many high-profile proponents. Warren Buffett has invested several billion dollars of Berkshire Hathaway insurance subsidiary investment capital and Bill Gates has invested over half a billion of his own personal wealth in this low tech investment vehicle. Many hedge funds, Pension funds and various major banks are also large investors and numerous media sources including The Wall Street Journal, Time Magazine, and The Economist have given this industry serious attention.
Investors in Venture Capital Funds, Oil Exploration Funds, Film Development Funds and other early-stage higher risk investment opportunities can completely collateralize their principal through life settlements driven risk hedging strategies.
A very strong secondary market has developed which provides near term liquidity for any owner of life settlements. Once an investment is performing the policies can be resold at a profit. A life settlement increases in value every year as the life expectancy of the insured gets sorter. If the original purchase of the policy was well researched and a market price was paid for it, then the investor will most certainly generate a profit on the resale. It is the absence of a long-term commitment that makes life settlements a very good strategy to preserve an investors capital in a venture investment.
Alternative Investments for B.C. Residents….. Free Information Pack
Free Information Kit Shows You Everything
You Need to Know to Invest in Life Settlements
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Curious About Life Settlements???
Have you heard of Life Settlements?
Seen the Ad in the newspaper? or maybe a friend mentioned it over coffee?
Now is your time to find out about this investment that offers a fabulous return for investors in British Columbia!
Aspire Life Settlement’s is holding a information session with a brief presentation from Grant Curtis and Sam McBride
explaining the opportunity of this investment for your own personal portfolio.
Reserve your spot today by calling the office at 604 427 0505
See you there!
Would You Consider Investing?
When it comes to your hard earned money, people are always skeptical with what kind of investments they choose.
Here’s a question for you…
Would you like to know the outcome of what your investment will be when it reaches maturity?
This new refreshing alternative to traditional investments has now caught the eyes of Canadians living in British Columbia thanks to Aspire Life Settlements Ltd. Life Settlements, has above average returns coupled with the potential of windfall profits. Some of you may think to yourself.. “It’s to good to be true” or “I’m satisfied with my 6-7% return on my current investment“
What if you had the opportunity to receive 11-18% per annum on your current investment? Would you consider investing? I know I would.
Although the Life Settlement industry seems like it is a “brand new” type of investment, it has been available for decades in the United States. Standing strong under it’s own investment category, through the depression as well as environmental disasters, Life Settlements is not affiliated with stocks, bonds, gold or mutual funds. Life Settlements is a ” win/win” outcome for both parties involved.
How did the Life Settlements market begin?
The Life Settlements market is the outcome of numerous historic events, including the judicial decisions in 1911, but the most influential event to give rise to the Life Settlements market was the HIV/AIDS outbreak in the late 1980′s. This disease forced man to look for ways to turn a life insurance policy into a financial resource to benefit themselves during their lifetime. The devastating epidemic of HIV/AIDS brought a new level of awareness to life expectancy, which was not only determined by the persons age anymore. The concern was now the financial need of the young and middle aged people who were now suffering with the deadly virus to pay for much needed medical care. Investors proved willing to purchase life insurance policies for more then the policies cash value, but less then its death benefit. Increasingly, the policy owners came to view the sale of life insurance policies as a possible source of financial assistance to those who were terminally or chronically ill. As the HIV/AIDS research significantly lowered the mortality of this virus, older adults began to consider the benefits associated with selling their policy for medical costs. Prior to the outbreak of the HIV/AIDS, the general public didn’t know that their insurance policy had such options to benefit them financially. One could let the policy lapse, or surrender the policy for its cash value, hardly anyone considered the possible option of selling their life insurance policy. However, with the popularity of the viatical industry the general public became aware that there as a market in which one could sell a life insurance policy.
Draw Prize Winners!
Wow… What a great weekend at the West Coast Women’s Show this past weekend!
So glad to have had the opportunity to participate in this trade show, the weekend
was full of amazing entertainment, products, as well as some fabulous people.
Congratulations to our winners who entered to win 1 of 3 draws at the show
Jackie Whitlock – Wine Gift Basket
Jessica Bradley – 2 hours of professional house cleaning from Mommymaids Inc
Judy Senft – $40 Starbucks Gift Card
We will be in contact to arrange pick up at our office for your prize. Hope you enjoy your gifts ladies!
West Coast Women’s Show
We have some exciting news to announce,
Aspire will be at the 13th Annual West Coast Women’s Show at Tradex!!
We are proud to offer this refreshing investment with above average returns to people
just like yourselves in British Columbia…. Life Settlements
Show dates & times:
Friday Oct. 25th- 1pm-10pm
Saturday Oct 26th- 10am-9pm
Sunday Oct 27th- 11am-530pm
Come check us out!
Bloomberg Life Settlement
Bloomberg Life Settlement Video (From A Third Party Perspective)
Being Aware of A Great Investment Opportunity!!
For a third party perspective watch this video from Bloomberg TV
**Please note the individuals in this video are not associated with Aspire Life Settlements, nor are they endorsing these projects.**
Come visit our new Facebook page – Aspire Life Settlements. Like and share the page and contact us at 604.427.0505 for more information on our services.
Life Settlements
" Life Settlements have been available in the US as a fantastic investment product for decades and are now finally available in British Columbia. It is a socially responsible product that help people and your portfolio at the same time.
Aspire Life Settlements Ltd
#104- 19916 64th Ave
Langley BC V2Y 1A2
info@aspire-ls.com
