• Happy New Year
    December 19, 2016

    Happy Holidays from LISA

    As we approach the holiday season and say farewell to 2016, those of us at the Life Insurance Settlement Association would like to share some thoughts with seniors about the end of the year.

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  • 5 important things life insurance companies don’t always tell you
    December 09, 2016

    5 things life insurance companies don't always tell you

    If you’re a senior and you own a convertible term policy that will soon expire, you may think your choices are limited simply because there was no "cash value" built up in the policy over the years. Your life insurance company is unlikely to tell you otherwise and, in fact, many insurers prevent their agents from informing you of any alternatives to either letting the policy expire or converting it to a more expensive new policy. But the truth is that you may be able to unlock the value in your policy by selling it to outside investors for a lump-sum cash payment.

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  • Post-Retirement Financial Checkup
    November 07, 2016

    Schedule a Post-Retirement Financial Checkup

    Most of us are familiar with the retirement planning shortfall in America, but at the same time there are millions of Americans who do a great job preparing for their golden years. They work hard, save with discipline and do their best to stick to a plan that will allow them to achieve their financial goals. If you are one of these retirees, congratulations! But don’t let the financial planning stop now. In fact, after you’ve entered retirement, it’s more important than ever to give your finances an annual checkup.

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  • Financial Planning Puzzle and Life Setlements
    August 15, 2016

    Did You Miss A Piece of the Planning Puzzle?

    Nothing has gone through more changes in the last 40 years than life insurance. Therefore, if you’re helping seniors with financial planning, the puzzle is not complete without an analysis of the fair market value (FMV) of all valuable assets, including their life insurance.

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  • Absence of consumer complainst for LS small
    July 25, 2016

    Absence of Consumer Complaints Validates Safety of Life Settlement Transactions

    A report earlier this month has provided additional evidence to support the case we’ve made in previous blog posts that the U.S. life settlement marketplace is a safe, ethical and regulated place for American seniors to sell an unwanted or unaffordable life insurance policy.

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  • Life Insurance Independence
    July 01, 2016

    Create Independence Day For Your Senior Clients

    When I think of Independence Day (July 4th), I think of American resilience and ingenuity. Americans possess a unique mental toughness and determination to fight for worthy causes. Hollywood has just launched their 2nd movie, Independence Day Resurgence that celebrates American strength and our ability to stand together and survive through difficult times.

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  • Downsizing your life insurance small
    June 02, 2016

    Downsizing? Consider Downsizing Your Life Insurance.

    Seniors have several options to choose from to help get the most out of their retirement years. Downsizing your home is one of the most popular choices, but did you know, you could also downsize your life insurance? You might ask yourself, why would I downsize my life insurance? You would do it for the same reason you would choose to downsize your house. You decide that you just don’t need as much you once did now that the kids are out on their own.

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  • Advisor determines if consumer is eligible to sell a life insurance policy
    May 09, 2016

    When Is a Life Settlement a Possibility?

    The most important factor to determine whether a life settlement should be considered is whether or not the policy is about to be lapsed or surrendered. In other words, a life settlement is an alternative to lapse or surrender, not an alternative to keeping a policy.

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  • life settlements are not suited for every individual situation.
    March 21, 2016

    Life Settlements Aren’t for Everyone

    As more American seniors learn about a life settlement as a rewarding option for a life insurance policy they no longer need or can afford, they conclude that it’s an attractive alternative to lapsing or surrendering the policy back to the insurance company. However, as with any financial planning strategy, life settlements are not suited for every individual situation.

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  • Betrayal by Insurance Companies 176
    March 17, 2016

    Are life insurance companies betraying their senior policyholders?

    Is it possible that life insurance companies are betraying America’s seniors, a vulnerable group of customers who put their trust in the hands of these companies when they purchased life insurance policies?

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  • life insurance policy contained unexpected value that was uncovered just in time to be a life changer
    November 25, 2015

    Life Insurance - It May Be Better Than You Think

    Have you ever had one of those days where nothing seemed to be going right and suddenly something happened that changed your whole outlook? Here are a couple examples where a life insurance policy contained unexpected value that was uncovered just in time to be a life changer:

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  • COI-176x176
    November 19, 2015

    Insurers Misprice Products and American Consumers Pay the Price

    Over the last five months, several insurance companies, including Voya and AXA, have announced increases to cost of insurance rates ("COI") for certain outstanding universal life insurance policies. These increases, some which are in excess of 80%, allegedly were made to address the anticipated future costs for providing the coverage.

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  • Sam_176X176
    November 18, 2015

    Are the Stars Aligning for Baby Boomers Seeking to Sell Policies in the Secondary Market?

    Cash-strapped baby boomers who are entering their retirement years are discovering that the secondary market for life insurance may be a solution to ease their financial burden.

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  • Fla176
    July 02, 2015

    Celebrate Our Freedoms

    As we celebrate July 4th and our independence, we reflect on how fortunate we are. Significant sacrifices were made by dedicated citizenry from all walks of life to create an environment of freedom that has so enriched our lives. We shall always be grateful!

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