• Florida Life Settlement Law
    June 27, 2017

    Florida Legislation is Good News for Seniors Who Want to Make Changes to Life Insurance Policies

    The State of Florida, which has the highest percentage of residents over the age of 65 of any state in the U.S., just passed an important piece of legislation that will hopefully encourage other states to increase consumer disclosure requirements to protect seniors who are considering making changes to a life insurance policy.

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  • 4 strategies to grow your finances in retirement Small
    June 14, 2017

    4 strategies to grow your finances in retirement

    Retirement is the time in your life when you can throw off the shackles of your daily responsibilities and truly enjoy the fruits of everything you spent years working toward. It’s an empowering feeling and you’ve earned it. You’ve planned and you’ve saved, but now that you’re here, don’t make the mistake of believing your financial planning is over.

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  • Solution-for-Seniors-Struggling-with-Life-Insurance-Premiums
    March 22, 2017

    Struggling to Pay Your Life Insurance Premiums? Know Your Options

    On average, a life settlement yields seniors seven times the amount of the policy's cash surrender value, LISA says, based on an analysis of a survey by the U.S. Government Accountability Office. In fact, 90 percent of seniors with lapsed policies say they would have considered selling it if they had known life settlement was an option, an Insurance Studies Institute survey found.

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  • saving-money-in-retirement176
    February 23, 2017

    Bridging the Gap Between Plans and Reality: Know Your Assets

    The Employee Benefit Research Institute’s (EBRI) 2016 Retirement Confidence Survey found that the confidence American workers have in their ability to afford a comfortable retirement is remaining stable, with nearly two out of three workers reporting they are very or somewhat confident of having enough money for a comfortable post-career life.

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  • Life-Settlement-Sandwich-Generation-176
    January 27, 2017

    The Sandwich Generation: Tips for Balancing the Needs of Children and Aging Parents.

    If you’re a member of the “sandwich generation” – adults who are caring for both their own young children and their elderly parents – then you’re no doubt familiar with the challenges and conflicts that arise on a monthly, weekly, even daily basis. You’ve somehow got to make it to your son’s school play and mom’s doctor appointment at the same time. Your high school-aged daughter needs to borrow the car to go out with friends, but dad also needs a ride to his book club. You have to pick up prescriptions, haggle with mom’s insurance company, and drop the kids off at soccer practice right after work – oh, and somehow feed everybody dinner, too.

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  • 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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  • Real Value for Real People - Life Insurance Settlement
    April 19, 2016

    Real value for real people

    It is easy to speak hypothetically about how life settlements are consumer friendly. After all, lapsing a policy for nothing makes no sense if you can sell it. Even surrendering a policy may be irrational in light of offers in the life settlement market that often are 5-10 times more valuable surrender value.

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  • Qualify-for-a--Life-Settlement
    February 04, 2016

    Do You Qualify for a Life Settlement?

    So, what are the factors that make someone a good candidate for a life settlement transaction?

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  • Estate-Planning-and-Life-Settlements
    January 20, 2016

    Life Settlements and Estate Attorneys

    If the tax is eliminated through the good work of a consultant, the client’s life insurance may be rendered unnecessary. Life insurance policies are not a liability. They are an asset that can be sold.

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  • Life Settlement - Happy Holidays
    December 21, 2015

    Happy Holidays! Here’s to Better Financial Planning in 2016

    As we approach the holiday season and the close of 2015, it’s a great time to take a step back and reflect on what is most important in life. It’s not the amount of money in our bank accounts or the great achievements in our careers . . . it’s the relationships we hold dear.

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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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  • 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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  • Life-Policy-Living-Benefits-Transparency
    September 28, 2015

    Toward awareness of all life policy benefits

    With a national election crowding headlines, transparency may not seem the norm, but thankfully there is a mounting trend toward disclosure when it comes to life insurance policies.

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