Welcome to Life Settlement Investors
A Life Settlement is the
sale of a life insurance policy to an investor for an amount
traditionally exceeding its cash surrender value.
The sale of any life insurance policy after it has been issued is a
Life Settlement. Most policies are held by the insured for at least
two years before they can be considered for sale in the Life
Settlement marketplace. Most settlement companies in the
marketplace will not bid on policies that are within the
contestability period.
After the policy is sold, the policy owner receives the
proceeds of the sale in the form of cash. The owner of the policy
no longer has any rights to the policy and does not need to make any
further premium payments.
Important determining factors affecting the value of the
policy are:
The concept behind a Life Settlement
is that a policy owner can receive more money in the secondary market
than from the life insurance company for surrendering the policy. The
funder who purchases the policy will continue to make premium payments
on the policy and will receive the death benefit at the appropriate
time.
Do not lapse or surrender your
policy without contacting us to see how much more money you could
receive!
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