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Life Settlement What is it and How Does it Work

A life settlement is a financial transaction in which a policy owner possessing an unneeded or unwanted life insurance policy sells the policy to a third party for more than the cash value offered by the life insurance company. The purchaser becomes the new beneficiary of the policy at maturation and is responsible for all subsequent premium payments. Life settlements are an important development in that they have opened a secondary market for life insurance in which policy owners can access fair market value for their policies, rather than accepting the lower cash surrender value from the issuing life insurance company.

Generally speaking, life settlements are an option for high-net-worth policy owners age 65 or older. Independent estimates report that among this group, 20% of policies have a market value that exceeds the cash value offered by the carrier. And while many policy owners are unfamiliar with life settlements until a financial professional mentions the option to them, the concept has gained attention from high-profile proponents such as Warren Buffett, former U.S. Representative Bill Gradison, and numerous media sources including The Wall Street Journal, Time Magazine, Business Week and The Economist. A growing number of experts now believe that informing clients about offering life settlements should fall under the fiduciary duty of a financial advisor.

How It Works

In a life settlement transaction, there is a chain leading from the seller of the policy to the end buyer of the policy (known as a life settlement provider.) Each link in the chain has a different responsibility in facilitating the transaction and ensuring that it runs smoothly, while outside vendors typically assist the provider with specialized functions.

Its What We Do

Our niche was formed to meet the changing demands of trusted advisors and their clientele, who are increasingly taking advantage of the booming secondary market for life insurance. The market is burgeoning as clients become aware of the $108 billion* of existing policies that have unrealized potential in excess of their cash surrender values. Advisors maximize these gains for our clients, who are quickly becoming more sophisticated and knowledgeable of these opportunities. Our principals have over 75 years of combined experience in financial planning and insurance, helping integrate life settlements into client financial, estate and/or other goals. All principles maintain NASD securities licenses (in good standing) and offer the services of a Broker/Dealer in facilitating life settlements on variable policies. Variable policies are considered by many to be regarded as securities transactions.

This process used by our advisors ensures your client the best possible offer for their policy. This process includes understanding the goal of the client, reviewing alternative solutions (if asked) with their advisors, pre-qualifying all cases for the likelihood of a settlement, reviewing each case by in-house impaired risk specialists before it goes to market, and making the case progress and offers transparency through the proprietary TOP program.

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Tax Implications of Life Settlement Funding

One of the most common questions asked about Life Settlements is "What are the tax implications?"

Typically, any amount the policy owner receives for a policy in excess of the cash surrender value is treated as a capital gain.

This graph illustrates how the proceeds from a sale would be taxed on a policy with a total value of $1 million, a cash surrender value of $90,000, and cumulative premiums of $70,000. When considering this or any other financial planning option, clients are advised to consult their tax advisor.

Tax illustration

10 Year Old, $1 Million Face-Valued Policy

$300,000 Settlement Price

$210,000 Taxes as Capital Gain (difference between Settlement Price and Cash Surrender Value)

$90,000 Cash Surrender Value (basis and earnings)

$20,000 Taxed as Ordinary Income (difference between Cash Surrender Value and Tax Bais)

$70,000 Tax Basis (premium paid)

Most life settlements are considered taxable.

Tax Free Portion (cost basis) - The proceeds of the settlement up to the cost basis (the premiums that one has paid into the policy).

Tax As Ordinary Income (CSV) - The amount of the settlement that is between cost basis and the policy cash surrender value. The policy's cash surrender value is the amount the client would receive if they were to surrender their policy back to the insurance carrier from which it was purchased.

Capital Gains - For the portion of the settlement that is over and beyond the policy's cash surrender value.

ILSA was formed to meet the changing demands of trusted advisors and their clientele, who are increasingly taking advantage of the booming secondary market for life insurance. The market is burgeoning as clients become aware of the $108 billion* of existing policies that have unrealized potential in excess of their cash surrender values. ILSA maximizes these gains for our clients, who are quickly becoming more sophisticated and knowledgeable of these opportunities. Our website is www.ilsallc.com. For any questions you might have please feel free to contact Institutional Life Settlement Advisors at 877-438-4572.

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Payday Loan Settlement

It gets really frustrating, doesn't it? Paying off your payday loans. You almost wish you didn't take the loan in the first place. Are you trapped in that vicious pay-loan cycle where you keep securing a loan just so you could pay off an existing one?

You took that loan and I bet you said to yourself, "I am going to pay this off next payday." But now, you're stuck with loans and you're paying off one loan with another loan. Unfortunately, there are a lot of people who find themselves in this situation. So, what do you do?

Things You Can Do

If it's too overwhelming, perhaps you can get some assistance in paying off your loans. I'm pretty sure if you're reading this that you need help to pay off your payday loans. Look for government representatives that would help you devise a way to pay off your loans. Also, look into your state laws. Perhaps, the state can help you payoff your loans. There are laws that would allow you to devise a payment scheme which you would be more comfortable with.

Pay Your Loan ASAP

If you take a payday loan, remember to pay that loan as soon as you possibly can. Avoid the "I'll pay the next time" attitude. This only gets you into more trouble with your loans. Pretty soon, you'd find yourself taking out more loans so you could pay the previous loans.

PHASE 2 Can Improve Your Business

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Will Debt Settlement Hurt My Credit?

Debt settlement is essentially a decision to stop paying creditors directly and to allow a third party to negotiate with your creditors using funds which you accrue monthly with the third party. Hence with debt settlement creditor's are usually not getting their monthly payments. In fact, continuing to pay creditors makes them very unlikely to settle as it takes away any incentive to do so. And of course when you stop paying creditors for months on end lates appear on credit reports as do collection accounts and so your credit score will likely drop.

The first thing one needs to ask of oneself is what their current credit situation is. For instance, if many accounts have already gone very late and/or into collection already then the damage is already done so to speak. At this point choices become fewer and debt settlement has much less of a downside.

The next thing to consider is why one might damage their credit for debt settlement purposes. The answer is simple- to save huge amounts of money. Debt settlement saves people ten's of thousands of dollars in the short term (cash flow) and in the long term (gross savings). Hence, like anything else there is a downside- credit damage.

What is the extent of the credit damage? Accounts will be closed. Many new collections will appear. Credit scores can easily drop into the 500's or even lower depending on what and how accounts remain open and in good standing.

How long does the credit damage last? It is not likely that credit will improve much during the debt settlement program. However once' the debt settlement program completes then you should expect 6 months to a year to get back up to excellent credit. Credit repair and credit building should be undertaken as quickly as possible once all the debts are settled.

Let's take an example. A person has $30,000 in unsecured high interest debt. This debt would take at least 10 years to pay off at great expense to the person's quality of life. Instead he/she chooses to settle the debts for about $16,000 over the course of 3 years in exchange for a credit drop. After that 3 years the person rebuilds their credit within 1 year and has no debt remaining and gets a fresh start in life. As you can see, debt settlement is a tradeoff between short term good credit and financial misery on one side and middle term bad credit and long term financial freedom on the other.

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What do you think about it?

Student Loan Debt Resolution Settlements

Settlements are the option considered by students who find it very difficult to repay the loans taken by them for their education. Settlements involve an intermediate agency that negotiates with the lender to provide the student borrower an ease in repayment.

Settlement agencies charge some fees upfront when one enrolls for their settlement program. Once a student is enrolled, the settlement agency collects some money every month from the student and accumulates it into a temporary escrow account. This money is accumulated until it is deemed suitable enough by the settlement agency to negotiate with the lender. The negotiations result in the student having to pay a reduced amount, even on the principal, and thus settle the loan. A settlement may, on the face of it, save the student even up to 50% of the loan amount.

Settlement agencies are more an advantage to the lenders than to the borrowers. They collect money from the borrower, and thus the lender is assured that they will be paid their due amount. If the student were to file for bankruptcy, then the lender would not have got anything of the due. Thus, settlement agencies work hand-in-glove with lending companies, though on the face it may seem that they exist for the borrowers’ benefit.

The option of settlement must be considered by the student only in the most extreme of cases. In actuality, a settlement makes the student pay more than bargained for. Since there are no payments to the lender for several years, the loan becomes a default, incurring late charges and even interest upon interest. When the settlement company finally wishes to settle the loan, the loan has to be revived and this attracts more charges. These charges are usually hidden from the borrower. Also, settlement companies charge monthly maintenance fees from the student. Thus, a student must very carefully consider the wisdom of settlement before approaching the agency. It must also be considered if filing for bankruptcy is a better option.

The facility of settlement loans is provided for economically unstable students who cannot afford to pay the huge monthly interests. However, there are several others who avail of this facility, attracted by the lucre of getting something for nothing.

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Payday Loan Settlement

It gets really frustrating, doesn't it? Paying off your payday loans. You almost wish you didn't take the loan in the first place. Are you trapped in that vicious pay-loan cycle where you keep securing a loan just so you could pay off an existing one?

You took that loan and I bet you said to yourself, "I am going to pay this off next payday." But now, you're stuck with loans and you're paying off one loan with another loan. Unfortunately, there are a lot of people who find themselves in this situation. So, what do you do?

Things You Can Do

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Pay Your Loan ASAP

If you take a payday loan, remember to pay that loan as soon as you possibly can. Avoid the "I'll pay the next time" attitude. This only gets you into more trouble with your loans. Pretty soon, you'd find yourself taking out more loans so you could pay the previous loans.

Consider Other Options

If your finances are pretty stiff, consider other money-earning activities that you can do in order to help you pay off your loan. If you have no choice but to get a loan, borrow from friends or relatives - at least you could avoid the overwhelming interest you'd have to pay if you get another loan from banks or lending companies.