Our proprietary approach maximizes. Call now to speak with a representative. (888) 571-LIFE (5433) toll free
|
|
- Tracy McLaughlin
- 8 years ago
- Views:
Transcription
1 Hel p i n g Se n i o r s Ac c e s s Hid d e n We a lt h Thr o u g h Li f e Se t t l e m e n t s. Our proprietary approach maximizes the value of seniors insurability. If you re one of the fortunate few who can benefit from the life settlement market, we ll develop a custom plan with multiple options and guide you through every step of the process. Call now to speak with a representative. (888) 571-LIFE (5433) toll free Life Equity is a full service life settlement broker and insurance advisory company. We specialize in helping high net worth individuals tap into the extraordinary potential of life settlements to fulfill goals that might otherwise seem unattainable.,
2 How We He l p The life settlements market has brought into existence a powerful new way for seniors to create value through life insurance. No longer is life insurance simply a form of savings plan; it is now an investment that can generate a substantial return without waiting for the death benefit. Life settlements provide seniors with valuable new options to achieve goals that previously seemed unattainable. The life settlements market has enabled seniors to sell their life insurance policies for amounts substantially larger than the cash surrender value of the policies. In the past, when one no longer wished to pay the premiums on a policy, the only options were to let the policy lapse, or to surrender it for a relatively low value. In qualified situations, we will help a policy owner sell a life insurance policy for a much greater amount than the cash surrender value. The purchasing company will become the owner of the policy and continue the payment of premiums. The seller of the policy will walk away with no further financial obligations and far greater cash than he or she would have otherwise been able to acquire for the policy. We are able to address your specific needs with either the issuance of a new policy or settlement of an existing policy. Our mission is to develop customized plans to help you realize the greatest value for your policy in the Life Settlement Market. The Process: We ll begin by assigning an expert counselor to work with you. Our proprietary approach enables us to maximize the value of your insurability. We ll evaluate your insurance status, your medical condition and other relevant circumstances to determine if life settlement is a good option for you. If we believe life settlement will generate a positive result for you, we ll develop a customized plan to fit your individual situation and your unique goals and desires. We will present you with an analysis of several possible scenarios to help you make the most informed decisions. We ll not only help you achieve the greatest value, but also make the process one of convenience and ease. The final phase involves the actual transfer of ownership and payment to you. We will guide you through the simple process and provide you with total knowledge and comfort throughout the transaction. After your policy is sold, you ll be under no further financial obligation, and the purchasing company will become the owner and beneficiary of the policy. Your confidentiality is a top priority for us and will be diligently safeguarded throughout the process. All of your information will be carefully protected according to the rules of the Federal Health Insurance Portability and Accountability Act.
3 C a s e St u d i e s Circumstances: Real Estate Investment Opportunity Insured: 83 Year Old Female Type of policy: Universal Life Face amount: $10,000,000 Cash surrender value: $ 175,422 Offer to seller: $300,000 Summary: The insured had a policy for a short period of time, but her circumstances changed and she discovered she could utilize the Life Settlement market to raise capital for a desired real estate investment. Life Equity was able to make an offer substantially greater than the cash surrender value of her policy. Circumstances: Fund Established for Acute Care Facility for Spouse Insured: 74 Year Old Male Type of policy: Universal Life Face amount: $3,000,000 Cash surrender value: $ 48,980 Offer to seller: $195,000 Summary: The insured had a policy for a short period of time, but his circumstances now required the long term care of his spouse in an acute care facility. Life Settlement proved an excellent vehicle enabling him to create a fund for the payment of his wife s needs without altering his existing estate. Life Equity made it possible for him to provide the kind of care his wife deserved. Circumstances: Client desired to create a trust fund for his grandchildren s education Insured: 83 Year Old Male Type of policy: Universal Life Face amount: $5,000,000 Cash surrender value: $ 93,000 Offer to seller: $ 282,000 Summary: The insured had a policy with accumulated cash value, but he desired to maximize the value he could receive from his policy to create a trust fund for the education of his grandchildren. Life Settlement allowed him to realize a much higher value than simply surrendering his policy and fulfill his promise of providing college tuition for his family.
4 Que s t i o n s What is a life settlement? A life settlement is a transaction in which a life insurance policy is sold to a third party for an amount greater than the policy s cash surrender value. The purchaser becomes the new owner and beneficiary of the policy, pays the premiums and eventually receives the death benefit. What are the steps in a life settlement? The first step is to fill out an application. We ll take it from there. We ll evaluate your circumstances and if you are one of the fortunate few, we will prepare an offer with various options that fit your unique situation and goals. Total time can take from three to ten weeks. Why would anyone sell his or her life insurance policy? Circumstances change constantly throughout one s life and the reasons that originally led one to buy a life insurance policy may change over time. Sometimes a policy is no longer needed because of changes with a beneficiary, or premiums may no longer be affordable, or a thousand other reasons. Life settlements have given seniors a new way to receive cash for policies and that cash can make a huge difference in their lives. How much can I expect to receive? There are many factors that affect the value of a policy. Although there is no simple answer for what one may expect for any single policy, our proprietary process is engineered to ensure maximum value to the seller. Our offer will always be substantially higher than the cash surrender value offered by the insurance company. What types of life insurance policies can be sold? Almost all individual or group policies with a face value of $250,000 or more may be sold including Term Life policies. The specific policy must have no restrictions on the transfer of ownership of the policy, and all parties must agree to the transfer. What if I have a loan on my policy? We can often make an offer even if there is already a loan against a policy. What happens after a life insurance policy is sold? When a policy is sold, all rights and obligations of the policy are transferred to the buyer. The buyer becomes the beneficiary, continues the payment of premiums, and eventually collects the death benefit. The seller is under no further obligation and may use the proceeds in any way he or she chooses. Am I responsible for my premiums after I sell my policy? After a policy is sold, the seller is no longer responsible for premium payments. Are there any medical exams? Assuming the insured has seen a physician within the last six months, no additional medical exams should be required. Is the process confidential? All of your information will be strictly safeguarded according to the rules of the Federal Health Insurance Portability and Accountability Act.
5 Glossary Death Benefit: The payment to the beneficiary of a life insurance policy upon the death of the insured individual. Insured: An individual whose life is covered by a life insurance policy. Insurability: An individual s ability to qualify for life insurance as determined by various life insurance companies. Life Settlement Broker: A company or individual that represents a life insurance policy owner and negotiates the best deal for the policy owner in the sale to a life settlement provider. Life Settlement Provider: The company that buys the life insurance policy in a life settlement. Non-Contestable Policy: After two years from origination, the insurance company can no longer contest a policy if it believes the information originally provided by the insured was inaccurate. Such policies that are past the two-year anniversary of origination are said to be Non-Contestable. Origination: The creation of a new life insurance policy for an individual. Period of Contestability: During the first two years after a new policy is originated the insurance company may contest the validity of the policy if it is determined that any of the information provided by the insured was inaccurate. Pre-Application: The initial information-gathering process used to determine if life settlement is a viable option for an individual. Premiums: Periodic payments made to an insurance company to keep a policy in force.
6 App ly No w Call now to speak with one of our expert counselors. (888) toll free You may also fill out and fax the request below for an application package to be sent to you. Fax to: (949) First name: Last name: Date of birth: Address: City: State: Zip Code: Phone: Fax:
Split Dollar Life Insurance is possible because a permanent Life Insurance policy has two main components to it: a Death Benefit and a Cash Value.
Insuring the Future In this Newsletter: Split Dollar Insurance Conventional and Reverse Split Dollar Arrangements Benefits of a Split Dollar Arrangement Types of Split Dollar Arrangements Buy/sell Split
More information20 Ways to Reduce and Effectively Use Insurance Premiums
Free Review: Compliments of YourBusinessLibrary.com For Your Individual Use Only The Business Library Resource Report #41 20 Ways to Reduce and Effectively Use Insurance Premiums Getting the Most Bang
More informationThe Basics of Life Settlements
The Basics of Life Settlements AN EDUCATIONAL GUIDE FOR CONSUMERS THE VOICE OF THE INDUSTRY THE BASICS OF LIFE SETTLEMENTS The Basics of Life Settlements 1 The Concept of Life Settlements 4 Free Market
More informationLIFE SETTLEMENT INFO KIT
How You Can Use A Life Insurance Policy To Fund Assisted Living And Senior Care Costs. LIFE SETTLEMENT INFO KIT Peace of Mind for You & Your Loved Ones Getting older should mean more time spent with your
More informationA CONSUMER GUIDE TO LIFE SETTLEMENTS
A CONSUMER GUIDE TO LIFE SETTLEMENTS Open Life Settlements 866.877.4054 Maximizing the Value of Your Life Policy Your unwanted life insurance policy can be an incredible asset. Open Life Settlements can
More informationWhy rent when you can own?
An Educational Guide for Individuals Why rent when you can own? A comparison of term and permanent life insurance Insurance Strategies Protecting your loved ones with the right amount and right type of
More informationAMG Financial Services. a division of. Presents. Life Settlements
AMG Financial Services a division of Presents Life Settlements Life Settlements Our Product is Simple. We provide a solid financial tool to people who want a safe, stable, easy to understand financial
More informationA CONSUMER GUIDE TO LIFE SETTLEMENTS
A CONSUMER GUIDE TO LIFE SETTLEMENTS IAGLSA-ID-BROC 1.0 Page 1 Maximizing the Value of Your Life Policy Building the Foundation of Trust IAG Life Settlement Advisors is committed to its clients, first
More informationLife Settlements 2012: the Secondary Market for Life Insurance Policies
Life Settlements 2012: the Secondary Market for Life Insurance Policies Executive Summary A Life Settlement is the sale of a life insurance policy to third party investors for an amount greater than the
More informationDo You Have the Right Life Insurance?
Do You Have the Right Life Insurance? Having adequate life insurance should be an important part of your financial planning. The type(s) you choose will depend on your needs and goals. Life insurance was
More informationUsing Life Insurance for Pension Maximization
Using Life Insurance for Pension Maximization Help your clients capitalize on their pension plans Agent Guide For agent use only. Not to be used for consumer solicitation purposes. Help Your Clients Obtain
More informationLife Settlements Product Overview
Life Settlements Product Overview Leveraging Life Settlements in Writing New Business Contents What is a Life Settlement? Case study Options for unwanted policies Who buys these policies? How does it work?
More informationBrought to you by. Technology changes fast. From new apps to digital marketing, it can feel impossible to keep up.
Brought to you by Technology changes fast. From new apps to digital marketing, it can feel impossible to keep up. At The Paperless Agent, our mission is to help real estate professionals from all experience
More information1. Income Replacement. Personal Needs
LIFE INSURANCE 101 Personal Needs 1. Income Replacement Personal Needs Personal Needs 1. Income Replacement 2. Mortgage Cancellation Personal Needs 1. Income Replacement 2. Mortgage Cancellation 3. Education
More informationHundreds of thousands from a forgotten document just laying around your home?
Hundreds of thousands from a forgotten document just laying around your home? Somewhere in your house there could be a forgotten document. This document could be worth a lot of money. This document is
More informationLife Settlements Can be a Life Saver
Life Settlements Can be a Life Saver For many advisors the concept of selling an existing life insurance policy is new. Just asking the question sounds strange. Why would a client want to sell a life insurance
More informationYOU CAN OWN? WHY RENT WHEN
WHY RENT WHEN YOU CAN OWN? A COMPARISON OF TERM & PERMANENT LIFE INSURANCE This guide helps you understand the differences between term and permanent coverage by comparing them to renting versus owning
More informationWhy Consider Life Settlement Options?
Why Consider Life Settlement Options? SITUATION Many people purchase life insurance initially for the right reasons. Life insurance is customarily purchased for planning needs that may span a time horizon
More informationLife Insurance Buyer's Guide
Life Insurance Buyer's Guide This guide can help you get the most for your money when you shop for life insurance. It can help you answer questions about: Buying Life Insurance Deciding How Much You Need
More informationWhy Rent When You Can Own?
An Educational Guide for Individuals Why Rent When You Can Own? A comparison of term and permanent life insurance Insurance Strategies Contents 1 Protect the Ones Who Matter Most to You 2 Owning Permanent
More informationWISCONSIN LIFE & HEALTH EXAM QUESTIONS
WISCONSIN LIFE & HEALTH EXAM QUESTIONS 1. Jim gets married and wants to add his new spouse to his existing Life insurance policy. Which rider should he add: A. Term rider B. Payor rider C. Guaranteed Insurability
More informationSETTLEMENTS MADE EASY. Jonathan Proby jonathan@ilsallc.com (954) 964-9460
SETTLEMENTS MADE EASY Jonathan Proby jonathan@ilsallc.com (954) 964-9460 Why Use a Settlement? You can't do a proper review for your client without knowing what your client's policy is worth. Settlements
More informationExit Strategy. for. Annuities ANNUITY LIQUIDITY PROGRAM ANNUITY LIQUIDITY OPTIONS TM
An Exit Strategy for Annuities The Annuity Liquidity Program Stone Street Capital s Annuity Liquidity Program allows for an exit strategy for annuities. This program allows your clients to access funds
More informationQuestions and Answers Regarding the Process of Life Settlements
Questions and Answers Regarding the Process of Life Settlements Life Settlement Intermediaries www.t-horizons.com 800-430-8849 Table of Contents Questions and Answers Regarding the Process of Life Settlements
More informationAn Educational Guide for Individuals. Gift of a Lifetime. A lasting connection to a child you love. Insurance Strategies
An Educational Guide for Individuals Gift of a Lifetime A lasting connection to a child you love Insurance Strategies Contents 1 A lifetime of benefits 2 Why whole life insurance for a child? 4 Important
More informationPurpose Driven Life Insurance
Purpose Driven Life Insurance American National Insurance Company Galveston, TX Has someone ever called you on the phone and tried to sell you life insurance or another product without knowing anything
More informationUniversal Life. What is Universal Life? The Structure of a Universal Life Policy. A Flexible, Tax-Sheltered Investment Program
Many Canadians consider their Registered Retirement Saving Plan (RRSP) to be their best tax shelter. However, Universal Life (UL) insurance has become an increasingly popular long-term financial planning
More informationLIFE SETTLEMENT PROVIDER BEST PRACTICES
LIFE SETTLEMENT PROVIDER BEST PRACTICES The standardization of life settlement origination practices is critical to promote the growth of life settlements as an asset class. Standardized origination practices
More informationLIFE INSURANCE PROBLEMS AND SOLUTIONS: A NON-AGENT PERSPECTIVE 1
: A NON-AGENT PERSPECTIVE 1 By: Richard B. Freeman, CFP Life insurance can be an important component of a comprehensive financial plan. However, problems related to life insurance can arise for a variety
More informationWelcome to Pre Licensing!
Welcome to Pre Licensing! Your Primerica pre licensing experience is about to begin, and we encourage you to keep this guide handy as you go through the process. Thousands of people just like you have
More informationProtecting Your Loved Ones Every Step of the Way
Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate
More informationWhat You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides
Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die. What You should Know About Buying Life Insurance
More informationFlexible protection to help meet a lifetime of needs
TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance Designed to meet
More informationHow To Use A Massmutual Whole Life Insurance Policy
An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing
More informationYou must always read the fine print of the contract and understand the limits or exclusion clauses.
Life insurance Introduction This is an introductory guide to help you understand how life insurance works. It gives you basic information so that you can make an informed decision when purchasing life
More informationLIFE INSURANCE OVERVIEW
LIFE INSURANCE OVERVIEW Most people think of life insurance in terms of death benefit protection. However, today s policies also provide the vehicles for meeting other goals, such as saving for retirement
More informationA Blueprint To Profitable Options Trading
You re In The Right Place If A Blueprint To Profitable Options Trading A Beginner s Guide To Success 1. You know you SHOULD be using options in your investing but you re not sure what to do. 2. You re
More informationLife Insurance Review. Ensuring life insurance coverage meets today s goals. Life. your way
Life Insurance Review Ensuring life insurance coverage meets today s goals Life. your way SM Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance
More informationReverseMortgages.com, Inc. A Guide to Reverse Mortgages
ReverseMortgages.com, Inc. A Guide to Reverse Mortgages Table of of Contents Introduction Introduction Our Commitment to You Is a Reverse Mortgage Right for You? Getting Your Reverse Mortgage: Questions
More informationWhite Paper: Using Cash Value Life Insurance for Retirement Savings
White Paper: Using Cash Value Life Insurance for Retirement Savings www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member
More informationONLY YOU KNOW WHAT MATTERS MOST
ONLY YOU KNOW WHAT MATTERS MOST We re here to help GROUP 20-YEAR LEVEL TERM LIFE INSURANCE PLAN UNDERWRITTEN BY: New York Life Insurance Company We re committed to providing you with quality protection
More informationMaximize Your Pension with Life Insurance
Maximize Your Pension with Life Insurance How Death Benefit Protection Can Help You Get the Most Out of Your Pension Benefits Client Brochure Achieve financial protection while maximizing your pension
More informationNew York Life Insurance Company Review
ONLY YOU KNOW WHAT MATTERS MOST We re here to help. GROUP 10-YEAR LEVEL TERM LIFE INSURANCE PLAN UNDERWRITTEN BY: New York Life Insurance Company We re committed to providing you with quality protection
More informationMulti Choice. Single Premium Life. Consumer Product Guide 15682 7/10
Multi Choice Single Premium Life Consumer Product Guide 15682 7/10 Table of contents Multi Choice Single Premium Life Why MC Single Premium Life 2 SPL checklist 3 How life insurance is different 4-5 Other
More informationWhole Life Insurance as a Financial Asset
An Overview Guide for Individuals Whole Life Insurance as a Financial Asset Insurance Strategies Contents 1 Whole Life Insurance: A Versatile Financial Asset 2 Long-Term Value 4 Addressing Different Financial
More informationH I G H L I G H T E R Financial Underwriting
UNDERWRITING H I G H L I G H T E R Financial Underwriting What Is Financial Underwriting? Why Is Financial Underwriting Important? Insurable Interest Premium Payer Affordability Financial Underwriting
More informationWhat you know about life insurance
What you need to know about life insurance This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to
More informationUsing Life Insurance for Pension Maximization
Using Life Insurance for Pension Maximization Help Your Clients Capitalize On Their Pension Plans Marketing Guide HELP YOUR CLIENTS OBTAIN FINANCIAL PROTECTION AND MAXIMIZE THEIR PENSION Pension maximization
More informationCalifornia Life Settlement Qualification Form
PERSONAL INFORMATION California Life Settlement Qualification Form First Insured Name: SS # Current Address: City: State: Zip: Date of Birth: Driver s License Number: State: Expiration: Second Insured
More informationInsured Annuities: Beyond the Basics
Insured Annuities: Beyond the Basics Achieving a great after-tax return on fixed-income assets John M. Nicola, CLU, CHFC, CFP Table of Contents Introduction.................................. 3 Insured
More informationWHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the
Life insurance is financial protection. It provides the resources your family may need to pay immediate and continuing expenses after you die. WHAT YOU SHOULD KNOW About Buying Life Insurance There are
More informationRobert Stark Life Settlement Data Request Form Connecticut
Robert Stark CT Life Settlement Data Request Form Life Settlement Data Request Form Connecticut Life Settlement Data Request Form LIFE INSURANCE POLICY INFORMATION Name of Insurance Company Face Amount
More informationSmall-business prospecting guide
Allianz Life Insurance Company of North America Small-business prospecting guide Making the most of this untapped market P For financial professional use only. Not for use with the public. Small-Business
More informationLETTER FROM THE PRESIDENT
WELCOME FUNDS INC. 6001 BROKEN SOUND PKWY SUITE 320 BOCA RATON, FL 33487 TOLL-FREE: 877.227.4484 PHONE: 561.862.0244 FAX: 561.862.0242 WWW.WELCOMEFUNDS.COM Dear Policy Owner/Insured: LETTER FROM THE PRESIDENT
More informationthrough life insurance strategies
through life insurance strategies T he purchase of a life insurance policy should go through the same careful analysis that goes into making any investment decision. After a careful examination of your
More informationSETTLEMENT APPLICATION. Insured s Name Date of Birth Social Security Number Sex (male/female)
SETTLEMENT APPLICATION A. PERSONAL INFORMATION (PLEASE PRINT OR TYPE) Insured s Name Date of Birth Social Security Number Sex (male/female) 2 nd Insured s Name Date of Birth Social Security Number Sex
More informationCaring for longer than a lifetime
Life insurance Caring for longer than a lifetime Your 5-minute Guide Life goes on prepare for it Your love for your family will live forever. However, we all know we won t live forever. Life insurance
More informationThe Lincoln National Life Insurance Company: Lincoln Life Flexible Premium Variable Life Account M
The Lincoln National Life Insurance Company: Lincoln Life Flexible Premium Variable Life Account M Supplement Dated December 15, 2009 To the Product Prospectuses dated May 1, 2009 for: Lincoln VUL ONE
More informationIrrevocable Life Insurance Trust
What exactly is an ILIT? An ILIT, like most trusts, is simply a holding device. It owns your life insurance policy for you, removing it from your estate. As its name suggests, the ILIT is irrevocable.
More informationVIATICAL SETTLEMENT PROFESSIONALS, INC. MASSACHUSETTS CHECKLIST
MASSACHUSETTS CHECKLIST Please use this checklist to insure you have enclosed all the documents necessary to process your application efficiently. Completed Personal and Insurance Information Form Completed,
More informationWealth Transfer Planning
Wealth Transfer Planning For Business Owners ESTATE PLANNING SERVICES Merrill Lynch does not provide tax, accounting or legal advice. Any information presented about tax considerations affecting client
More informationLife Insurance Professional Analysis and Review
NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS FLORIDA 1836 Hermitage Blvd, Suite 200, Tallahassee, FL 32308 Contact: Paul S. Brawner (850) 422-1701 brawner@faifa.org This self study course is
More informationWhite Paper Life Insurance Policy Provisions
White Paper www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC, MSRB Page 2 Table of Contents... 3 What
More informationLife insurance benefits for small-business owners
Allianz Life Insurance Company of North America Life insurance benefits for small-business owners Protecting the life of your business Small-business life insurance uses M-5101 Life insurance benefits
More informationYou must always read the fine print of the contract and understand the limits or exclusion clauses.
Introduction This is an introductory guide to help you understand how life insurance works.it gives you basic information so that you can make an informed decision when purchasing life insurance policy.
More informationProtection for Your Estate
BB9604-07 Principal Survivorship Universal Life Protector II SM Protection for Your Estate Is your legacy protected? You ve built your estate through hard work and smart decisions. Yet, without one final
More informationQUICK NOTES SUPPLEMENTAL STUDY GUIDE NEW JERSEY
QUICK NOTES SUPPLEMENTAL STUDY GUIDE NEW JERSEY A REVIEW SUPPLEMENT FOR THE NEW JERSEY LIFE, ACCIDENT & HEALTH STATE LICENSING EXAM (April 2016 Edition) What is Insurance Schools Quick Notes Supplemental
More informationReverse Mortgages: Explained
Reverse Mortgages: Explained When To Recommend and When To Be Avoided Presented by Karl Parize Broker # 01364278 History of Reverse Mortgages During the 1970s, several private banks offered Reverse Mortgage
More informationA guide to buying insurance from Wells Fargo Advisors
A guide to buying insurance from Wells Fargo Advisors What you should know before you buy Is life insurance right for you? Life insurance policies are designed for investors who: Seek liquidity to cover
More informationLife Insurance Made Easy The basics on buying Life Insurance
Life Insurance Made Easy The basics on buying Life Insurance Introduction Hi There! Before you begin reading, I d like to take the time out to truly thank you for downloading this guide. There is A LOT
More informationLife insurance is a simple answer to a very difficult question:
Chances are, you need life insurance Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die? It s a subject no one really wants to think about.
More informationPRELIMINARY LIFE INSURANCE APPRAISAL REQUEST
PRELIMINARY LIFE INSURANCE APPRAISAL REQUEST INSURED INFORMATION (If more than one insured, please duplicate this page and complete for each insured.) Name SSN Current Address Date of Birth Day Telephone
More informationWhite Paper Life Insurance Coverage on a Key Employee
White Paper Life Insurance Coverage on a Key Employee www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC,
More informationConscious Spending. Conscious Life Expanded Information on Life Insurance 1
Life insurance is an important aspect of big-picture planning, especially when you have people depending on your income for their well-being. It might be that you are supporting aging parents or a disabled
More informationYour helpful life insurance guide: Shopping for life insurance
Your helpful life insurance guide: Shopping for life insurance When it comes to shopping for life insurance, you may need help making an informed decision. At Amica Life, we believe helpfulness is what
More informationA guide to buying insurance
A guide to buying insurance What you should know before you buy Is life insurance right for you? Life insurance policies are designed for people who: Want to replace income that is lost due to death Seek
More information4794-00A-MAR15. Product Brochure
4794-00A-MAR15 Product Brochure ParPlus & ParPlus Junior Assumption Life, one of the few remaining mutual life insurance companies in Canada, is proud to offer its latest participating life insurance products
More informationThe Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT
The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information
More informationStock Market for Beginners November 2013
Stock Market for Beginners November 2013 What is a share? If you own a share, you own a portion of a company. In the same way you can see your ownership of a company as a slice of pie, cut out of a bigger
More informationunderstand.ability. The General Board presents Ernst & Young Financial Planning Services, for professional assistance anyone can actually understand.
financial planning services understand.ability. The General Board presents Ernst & Young Financial Planning Services, for professional assistance anyone can actually understand. KNOWledge at no charge.
More informationhelping your client to choose the right life insurance
helping your client to choose the right life insurance Andrew J. Willms and John C. Zimdars, Jr., published in The Practical Lawyer, October 1996. The variety and versatility of life insurance products
More informationLife Settlements What Sophisticated Clients Expect Their Advisors To Know
Life Settlements What Sophisticated Clients Expect Their Advisors To Know By Jason T. Mendelsohn, Paul W. Bowen, and Jon B. Mendelsohn, Ashar Group Life Settlement Specialists Market Summary The Life Settlement
More informationHome Equity Conversion Mortgage (HECM) for Home Purchase
Home Equity Conversion Mortgage (HECM) for Home Purchase A Guide to HECM s Home Equity Conversion Mortgage (HECM) for Home Purchase A Home Equity Conversion Mortgage for Purchase can be life-changing for
More informationLife insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security
Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live
More informationProtective Custom Choice SM UL
Protective Custom Choice SM UL Product Guide PLC.6311 (11.12) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they would be financially secure,
More informationChanging the shape of British retirement. www.homewise.co.uk
Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting
More informationIf I were no longer around, who would pay my mortgage?
If I were no longer around, who would pay my mortgage? Let us help you create a mortgage protection plan to protect you and your most valuable asset. Mortgage life insurance protection Your house is your
More informationComplimentary Financial Planner
Complimentary Financial Planner Creating Wealth Since 1922 PERSONAL INFORMATION Name Social Security Number Date of Birth Home Street Address You Your Spouse City, State, Zip Home Telephone Marital Status
More informationFinance 160:163 Sample Exam Questions Spring 2003
Finance 160:163 Sample Exam Questions Spring 2003 These questions are designed to test your understanding of insurance operations within the context of life and health insurance. Each question is given
More informationANNUITIES TEST 1. If the mortality rate were to suddenly decrease in a given year, the insurance company would be at a financial disadvantage on which of the following? 1. Whole life 2. Endowment 3. Straight
More informationBUYING YOUR FIRST HOME: THREE STEPS TO SUCCESSFUL MORTGAGE SHOPPING MORTGAGES
BUYING YOUR FIRST HOME: THREE STEPS TO SUCCESSFUL MORTGAGE SHOPPING MORTGAGES June 2015 Cat. No.: FC5-22/3-2015E-PDF ISBN: 978-0-660-02848-4 Her Majesty the Queen in Right of Canada (Financial Consumer
More informationYour Guide to ING Indexed Universal Life CV
Early retirement. Financial security. Expanding your business. Oh, the possibilities. Your Guide to ING Indexed Universal Life CV Issued by Security Life of Denver Insurance Company LIFE Your future. Made
More informationHome Mortgage Series. Client Brochure Policy Series 297. Universal life insurance you can count on to help protect your family and mortgage.
11-149-5 (01-12) HMS100CBO Client:Layout 1 1/18/2012 11:12 AM Page 1 Home Mortgage Series Universal life insurance you can count on to help protect your family and mortgage. Client Brochure Policy Series
More informationThe Navigator. Fall 2015 Issue 5. Life Insurance: A Risk Mitigation Tool that Should Not be Considered an Investment
The Navigator A Financial Planning Resource from Pekin Singer Strauss Asset Management Fall 2015 Issue 5 Life insurance can be a highly effective risk management tool that should have a place in most Americans
More informationIntroduction to Life Settlements and Ethical Guidance for Advisors*
Introduction to Life Settlements and Ethical Guidance for Advisors* By Richard M. Weber and E. Randolph Whitelaw Introduction An active and rapidly growing secondary market for life insurance emerged less
More informationArizona Life Settlement Qualification Form
PERSONAL INFORMATION Arizona Life Settlement Qualification Form First Insured Name: SS # Current Address: City: State: Zip: Date of Birth: Driver s License Number: State: Expiration: Second Insured Name:
More informationLife Insurance Review
Supplemental Illustration Prepared by: MetLife Agent Financial Services Representative 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government
More information$2,000 (premium) multiplied by 6 months (period remaining), divided by 12 months (number of months premium covers), or
client who has a personally owned life insurance policy comes to you. You convince her to either sell or gift the policy to an irrevocable life insurance trust (ILIT). You need to get the value of the
More information