• Post-Retirement Financial Checkup
    November 07, 2016

    Schedule a Post-Retirement Financial Checkup

    Most of us are familiar with the retirement planning shortfall in America, but at the same time there are millions of Americans who do a great job preparing for their golden years. They work hard, save with discipline and do their best to stick to a plan that will allow them to achieve their financial goals. If you are one of these retirees, congratulations! But don’t let the financial planning stop now. In fact, after you’ve entered retirement, it’s more important than ever to give your finances an annual checkup.

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  • Selling your life insurance policy testimonial video
    October 12, 2016

    4 creative ways to tackle rising health care costs when planning for retirement

    No matter how hard you worked or how much you saved, the sad reality of today’s economic landscape is that the rising cost of health care can quickly eat away at your retirement fund.

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  • rsz_1life-insurance5-crop-600x338
    September 28, 2016

    How to Rescue Seniors from Lapsing Life Insurance Policies

    LifeHealthPro’s sister platform, BenefitsPro, reminded us on Sept. 12 that our industry needs to evolve to meet the needs of a graying population. Roughly 10,000 baby boomers are turning 65 every day, a group that accounts for 28 percent of the U.S. population.

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  • rsz_12shutterstock-1720489882
    September 08, 2016

    What Can Seniors Do When Their Life Insurance Premiums Are Increased?

    Last week, the Wall Street Journal reported on the latest developments in a wave of sudden insurance premium hikes on life insurance policies that have been in force for decades.

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  • Term Insurance - Hidden Value
    August 22, 2016

    Term Insurance – Hidden Value in Retirement

    If you have a term life insurance policy, there may be better solutions than allowing it to lapse after the term.

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  • rsz_doctor-breaking-news-katarzynabialasiewicz-istock-thinkstockphotos-464945575
    August 16, 2016

    Does Life Insurance Need to Be Held Until Death of Insured?

    A 2015 survey of financial advisors by the Lifeline Program confirmed what those of us who work in the life settlement industry confront on a daily basis: Many financial advisors are unfamiliar or misinformed about life settlement transactions.

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  • Financial Planning Puzzle and Life Setlements
    August 15, 2016

    Did You Miss A Piece of the Planning Puzzle?

    Nothing has gone through more changes in the last 40 years than life insurance. Therefore, if you’re helping seniors with financial planning, the puzzle is not complete without an analysis of the fair market value (FMV) of all valuable assets, including their life insurance.

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  • Absence of consumer complainst for LS small
    July 25, 2016

    Absence of Consumer Complaints Validates Safety of Life Settlement Transactions

    A report earlier this month has provided additional evidence to support the case we’ve made in previous blog posts that the U.S. life settlement marketplace is a safe, ethical and regulated place for American seniors to sell an unwanted or unaffordable life insurance policy.

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  • Life Insurance Independence
    July 01, 2016

    Create Independence Day For Your Senior Clients

    When I think of Independence Day (July 4th), I think of American resilience and ingenuity. Americans possess a unique mental toughness and determination to fight for worthy causes. Hollywood has just launched their 2nd movie, Independence Day Resurgence that celebrates American strength and our ability to stand together and survive through difficult times.

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  • What is your financial plan - small
    June 21, 2016

    Comparing Life Settlements and Reverse Mortgages: Two Sound Financial Planning Strategies for Seniors

    We’re all aware of the retirement funding shortfall in America. Research from the National Institute on Retirement Security (NIRS) found that retirement savings are dangerously low, with the U.S. retirement savings deficit between $6.8 and $14.0 trillion. The NIRS reports that the average working household has virtually no retirement savings and when all households are included -- not just households with retirement accounts -- the median retirement account balance is $3,000 for all working-age households and $12,000 for near-retirement households.

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  • Downsizing your life insurance small
    June 02, 2016

    Downsizing? Consider Downsizing Your Life Insurance.

    Seniors have several options to choose from to help get the most out of their retirement years. Downsizing your home is one of the most popular choices, but did you know, you could also downsize your life insurance? You might ask yourself, why would I downsize my life insurance? You would do it for the same reason you would choose to downsize your house. You decide that you just don’t need as much you once did now that the kids are out on their own.

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  • Advisor determines if consumer is eligible to sell a life insurance policy
    May 09, 2016

    When Is a Life Settlement a Possibility?

    The most important factor to determine whether a life settlement should be considered is whether or not the policy is about to be lapsed or surrendered. In other words, a life settlement is an alternative to lapse or surrender, not an alternative to keeping a policy.

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  • Life Insurance Unclaimed Property Investigation
    April 25, 2016

    Life Insurance Industry Under Investigation for Unpaid Claims

    The award-winning CBS News television program, 60 Minutes, aired a disturbing story this week that should be cause for concern for all Americans who own life insurance policies. The story, reported by CBS News Correspondent Lesley Stahl, shone a national spotlight on calculated efforts by life insurance companies in several states to avoid paying life insurance claims.

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  • Real Value for Real People - Life Insurance Settlement
    April 19, 2016

    Real value for real people

    It is easy to speak hypothetically about how life settlements are consumer friendly. After all, lapsing a policy for nothing makes no sense if you can sell it. Even surrendering a policy may be irrational in light of offers in the life settlement market that often are 5-10 times more valuable surrender value.

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  • life settlements are not suited for every individual situation.
    March 21, 2016

    Life Settlements Aren’t for Everyone

    As more American seniors learn about a life settlement as a rewarding option for a life insurance policy they no longer need or can afford, they conclude that it’s an attractive alternative to lapsing or surrendering the policy back to the insurance company. However, as with any financial planning strategy, life settlements are not suited for every individual situation.

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  • Betrayal by Insurance Companies 176
    March 17, 2016

    Are life insurance companies betraying their senior policyholders?

    Is it possible that life insurance companies are betraying America’s seniors, a vulnerable group of customers who put their trust in the hands of these companies when they purchased life insurance policies?

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  • Qualify-for-a--Life-Settlement
    February 04, 2016

    Do You Qualify for a Life Settlement?

    So, what are the factors that make someone a good candidate for a life settlement transaction?

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  • Estate-Planning-and-Life-Settlements
    January 20, 2016

    Life Settlements and Estate Attorneys

    If the tax is eliminated through the good work of a consultant, the client’s life insurance may be rendered unnecessary. Life insurance policies are not a liability. They are an asset that can be sold.

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  • Life Settlement - Happy Holidays
    December 21, 2015

    Happy Holidays! Here’s to Better Financial Planning in 2016

    As we approach the holiday season and the close of 2015, it’s a great time to take a step back and reflect on what is most important in life. It’s not the amount of money in our bank accounts or the great achievements in our careers . . . it’s the relationships we hold dear.

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  • life insurance policy contained unexpected value that was uncovered just in time to be a life changer
    November 25, 2015

    Life Insurance - It May Be Better Than You Think

    Have you ever had one of those days where nothing seemed to be going right and suddenly something happened that changed your whole outlook? Here are a couple examples where a life insurance policy contained unexpected value that was uncovered just in time to be a life changer:

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