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Special Report on

Senior Life Settlement Investments

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After the mortgage business imploded last year, Wall Street investment banks began searching for another big idea to make money. They think they may have found one. Skip to next paragraph Michael Appleton for The New York Times Rating the New Products: Jan Buckler and Kathleen Tillwitz of DBRS, which is reviewing proposals for life- insurance securitizations. Betting on Your Life This series examines the battles taking place to reshape the financial industry. Previous Articles in the Series � The bankers plan to buy “life settlements,” life insurance policies that ill and elderly people sell for cash — $400,000 ...
is a financial transaction in which the owner of a life insurance policy sells an unneeded policy to a third party for more than its cash value and less than its face value. Until recently, if a policyowner opted out of a policy by surrendering the policy or allowing it to lapse, the additional value was relinquished back to the issuing life insurance company. In some cases, an insured’s health may have declined since the policy was issued and the policy may be worth considerably more than the surrender value. A life settlement is an alternative to this surrender or lapse of a policy, or when the owner of a life insurance policy ...
Sell Your Structured Settlements » What is Life Insurance Settlement?
If you're new here, you may want to subscribe to my RSS feed . Thanks for visiting! Win – Win Financial Solution for Seniors! A Life Insurance Settlement is the sales of a life insurance policy to a third party in exchange for a cash settlement in excess of the cash surrender value of policy —even if none exists! This is also ... market research, surveys and trends
Life settlements insurance wrap - Life Insurance Settlement Finds ...
A reason up word allotment might reason the tip source of the income account indexed to your subsequent firm payments sales. Each representative upon the world who is actively offered pensions, has listened the conflict from the prospect, “I adore your concept, though my income is scored equally up.” Of course, your quip to Mr. & Mrs. Prospect is to motivate, to pierce during slightest partial of their supports in the reserve of the FIA. But if as good as when we find there have been no bullets, greatfully do not separate, though the final shot with something like: “One final suspicion prior to we go. If we ... market research, surveys and trends


Viatical Settlement Investment Scams and Dubious Life Settlement ...
Historically, some insurance companies have offered an accelerated death benefits option which allows the insured an opportunity to receive up to 80% of the death benefit at any time within the last year of their projected life. The remaining 20% is then paid to the insured's estate. On the other hand, the business of viatical settlements involves the selling of a policy death benefit, at less than face value, by a terminally ill person to a third party. This is accomplished, for a commission, with the assistance of a broker ... industry trends, business articles and survey research
Texas Seizes Assets of Life Settlement Company Charged with ...
National Life Settlements� Howard G. Judah Jr., Gregory F. Jablonski falsely guaranteed lucrative investment returns Feb. 27, 2009 - A receiver appointed by a Texas judge has seized the assets of National Life Settlements of Houston. The Texas State Securities Board announced the seizure, charging that the company sold more than $20 million in fraudulent life insurance settlement contracts to mostly senior citizens that included retired state employees, retired teachers and other Texas investors. State District Court Judge Suzanne Covington of Travis County appointed the receiver at the request of ... industry trends, business articles and survey research
Lawmakers Question Value of Insurer Safety Net to Beneficiaries
It raises a red flag as to whether this would be covered Garamendi said in an interview. Photographer: Brendan Hoffman/Bloomberg The accounts life insurers set up for survivors of slain soldiers and other Americans may not be covered by state guarantee funds, U.S. and state lawmakers said. MetLife Inc. and Prudential Financial Inc., the biggest U.S. life insurers, make investment income by keeping death benefits and placing the funds in interest-bearing products called retained-asset accounts. U.S. Representative John Garamendi of California and Robert Damron , who heads a national group of state legislators focused on insurance ... market trends, news research and surveys resources
AEGON NV - AEGON posts strong results for second quarter 2010
AEGON posts strong results for second quarter 2010 Increase in underlying earnings and net income Underlying earnings before tax increase to EUR 522 million, supported by improved financial markets Impairments decline to EUR 77 million, their lowest level in two years Net income improves significantly to EUR 413 million Return on equity of 9.7% Increase in sales and deposits New life sales of EUR 590 million, driven by increased sales in the United States and United Kingdom Gross deposits total EUR 7.6 billion, driven mainly by strong pension deposits in the Americas Value of new business declines ... market trends, news research and surveys resources


The Life Settlements Market
Professor and Director of the Center and a Senior Manager with. Deloitte Consulting. ..... are members of the Viatical and Life Settlement Association of ..... return on the beneficiary's investments to preserve the life insurance ... technology research, surveys study and trend statistics
Investor Bulletin on Life Settlements
We are issuing this Investor Bulletin to highlight information about life settlements and some of the risks these types of transactions may pose for investors. Individual investors considering a life settlement transaction may wish to keep the following points in mind and seek guidance from an unbiased financial professional who will not receive a commission or any other financial benefit from the transaction. In a “life settlement” transaction, a life insurance policy owner sells his or her policy to an investor in exchange for a lump sum payment. The amount of the payment from the investor to the policy owner is ... technology research, surveys study and trend statistics
Brooklyn College | Faculty Details
Charles Stone is an Associate Professor at Brooklyn College, CUNY. He teaches Investments, corporate finance and real estate finance. Prior to joining the economics department at Brooklyn College he was a Professor in the DESS 203 at University Paris Dauphine. Charles earned his Ph.D. in economics from the CUNY Graduate Center. Professor Stone is one of the founding editors of The Financier (, and The Securitization Conduit. He recently coauthored with Anne Zissu "The Securitization Markets Handbook: Issuing and Investing in Mortgage- and Asset-Backed Securities," Bloomberg Press, 2005. His most ...
Has Anyone Ever Utilized Senior Life Settlements (SLS) used as 100 ...
This is what the Client has mapped out utilizing SLS- Do you believe a Bridge Lender or Do you know of a Bridge Lender who will Participate? Senior Life Settlements-as 100% collateral Collateral using senior life settlements as an institutional investment asset class, as a securitization facility for any business transactions bought at closing is a way of collateralizing any of our projects. The Explanation is below. Various structural formats using the "collateral" exist, including 1) funding for an amount equal to the project requirements, 2) funding for an amount equal to the project requirements plus premium requirements, ...
What would make a Fund of Hedge Fund attractive to Institutional ...
Aside from good pedigree and top notch service providers, the FOF I think would have to provide access to funds that have "weathered the storm" and that would not be accessible otherwise, perhaps with an emphasis on a particular market sector. posted 4 months ago Fund of Funds definately took a big hit ( much more than hedge fund itself) in the crisis as they were leveraging the investment on top of the leverage used by the hedge fund manager. I believe, they can provide value to the institutional investor 1) Provide greater transparancy to the investors which would entail more reporting on the leverage, strategy deployed, risk, ...