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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.

Your Children Need Science Toys

Of course you want your children to be smart and clever. But do you know how to make them be clever? If you have no idea, we want to give you some advice. You know, children need much free time other than staying in schools. They need something to improve their brain to think. Of course toys can be their best choice if you give them proper toys.

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Nowadays it seems that science toys are more and more popular among children. This is good phenomenon. Yeah, we should let our children know more about science when they are little children, this can greatly open their minds and give them more knowledge, and these things can't be learned from classes.

So if you do care about your children, you need to think more for them, think about what they need and what are good for them, then give them these things, I believe your children will be smarter and smarter as you expect.

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.

Stop Eating Junk Food

You may have noticed that there are more and more people facing obesity problem, why? Of course there are many reasons, but the most important reason is that we are eating junk food. You know, sometimes we don't care what we are eating as long as they are delicious, this is why we have to face obesity problem.

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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

In such a high technology era, you can't run your business without advanced technologies support. You should make good use of internet technologies to improve and expand your business, if you use proper software, your work will be easier and doubler. So you should know something about software as a service (SAAS) industry.

There are many companies in this industry, needless to say, PHASE 2 is a leader, the official site is phase2int.com.

So how can PHASE 2 improve your business? Let's take a look what can PHASE 2 give you first. As you know, PHASE 2 delivers affordable and scalable access to high-end business software applications through SaaS (Software as a Service). Building from its strong history of IT Consulting, PHASE 2 hosts an integrated suite of high-end applications for small-to-medium-sized businesses including Microsoft SharePoint, Microsoft Exchange, Microsoft Project, Microsoft Live Communicator, and applications for CRM, accounting and HR. And PHASE 2 complements its portfolio of vertical software solutions with specific domain expertise and custom applications for industries such as Architectural and Construction professions.They have hosted team foundation server working perfectly for your business. So now you know why they can improve your business. They also provide you cheap web conferencing service for your company, so you can save a lot of money for your company.

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