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Special Report on

Senior Life Settlement

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Senior life settlements, in general, are life insurance Policies that have been issued on the lives of people whose life expectancy has been estimated by trained medical professionals. These life insurance Policies are then sold to investors for an amount that is less than the face amount of the Policy that will become due and payable upon the death of the insured. Usually, the insured person on these Policies is elderly ranging in age from 65 to 85 years old. Senior life settlements are often compared to zero-coupon notes in that they are Policies that are purchased at a discount to their face value with this so-called “amount ...
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 ...
Life is a constant struggle for all of us and most of our struggles are directed towards attaining a certain status in life which will help us in fulfilling our needs in a better way. When we manage to attain a certain position in life, we end up using many things which are necessities and many things which are considered a luxury. Now, till the time we have money or an income it is pretty easy for us to maintain our lifestyle and indulge in all the luxuries. The problem arises when this regular income stops or in other words when a person retires from work. This is the time when one faces shortage of money and since their ... market research, surveys and trends
Senior Life Settlement: What are the Advantages & Disadvantages?
Life insurance settlement for seniors may come with some pros & cons. Cash settlements may be useful for some; selling coverage may not be right for others. Many seniors will consider a life insurance settlement deal as they get older. For some, this is an easy way to raise a cash lump sum to use in retirement and to get rid of an unwanted policy. Others may prefer/need to keep their coverage in place as part of their estate planning. What are the benefits and downsides of selling life insurance as a senior settlement? Senior life settlements allow individuals to sell life insurance to a third party for a cash payment. Whether ... market research, surveys and trends


Life Settlement Characteristics and Mortality Experience for Two ...
$500000 and $2.5 million. The average face was approximately $1.8 million. The average age for senior life settlement was 76 years, with well over 50% of the insureds .... PERCENT. A. GE OF SE. T. TLEMENT. S. LIFE EXPECTANCY IN YEARS ... industry trends, business articles and survey research
Life Insurance Settlement Companies, Life Settlements
brokers in the nation. We work with financial professionals whose clients include affluent seniors seeking a sensible exit strategy from unwanted life insurance policies. In addition to having earned our status as an early adopter in an emerging market of life settlement companies , we have assumed a leadership role in delivering the necessary tools for financial professionals to successfully participate in life settlements . In this regard, (1) we offer a turn-key service that leads financial professionals through each step of the transaction; (2) we act as their advocate when negotiating with funders (providers) to pursue the ... industry trends, business articles and survey research
Research and Markets: Life Markets: Trading Mortality and Longevity Risk with ...
As the Baby Boomer population continues to age and the need for the securitization of life insurance policies increases, more financial institutions are looking towards longevity trading as a solution. Consequently, there is now a need for innovative financial products and strategies that have the ability to hedge longevity exposure for pension funds, reinsurance companies, and governments. These products and strategies are currently being developed with the use of life settlements. Here, author Vishaal Bhuyan provides a complete guide to this burgeoning sector. In ... market trends, news research and surveys resources
Mickelson Capital Consulting Offers Seniors A New Financial Option in Life ...
“We specialize in a certain type of client. Typically, they are older and very successful,” says David Mickelson of Mickelson Capital Consulting. Oceanside, CA (PRWEB) July 08, 2010 Mickelson Capital Consulting, a leading insurance brokerage based out of Oceanside, California, enables seniors to unlock substantial cash value from their life insurance policies through life settlement. A relatively new but well proven transaction that is still widely unknown to many seniors, life settlement is essentially the sale of personal property to a buyer. The life settlement transaction sells the policy to an investor who becomes ... market trends, news research and surveys resources


securitization of senior life settlements: managing interest rate ...
Any measure of interest rate risk for a pool of senior life settlement ... senior life settlement-backed securities whose interest rate risk can ... technology research, surveys study and trend statistics
My name is Michael Freedman, and I am the Senior Vice President of ... Life settlements provide a valuable alternative to the lapse or surrender of a ... 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 ...
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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 was life like during the 30's and 40's? - Yahoo! Answers
Excess was pretty much unheard of because of the depression and war rationing, even for the folks who weren't poor. You pretty much had one item at Christmas, rather than a whole bunch of presents like today. Rural families were huge [6+ kids] because they needed more kids to work the farms. mother born in 1926 I'm 86 and it was ****. There was no TV or oreos, and you had to pay to look through a peep hole just to see a naked girl. People depended on one another and shared!!! Today people are greedy!!! That's why our elders...I mean in their 80's and 90's are so humble and ...