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Health Insurance Companies Fail To Please All
When you are shopping for health insurance it would be helpful
to know how often health insurance companies fail to provide the
service you would expect. The Arizona Department of Insurance
has released a report listing fines and complaints filed...
Home insurance: premium protection in case mishap takes a rain check
My whinstone house my castle is, I have my own four walls. This is truth for every home owner. Your home, your castle, your prized possession, your territory - which is certainly more than four walls. You would do anything to protect it against...
Insurance Glossary ot Terms
Assured - Those insured under the terms of an insurance policy. Benefit - The money paid to the policyholder when a claim is made. Bid Price - The selling price or cash-in value of your unit holdings. Bonus - Relates to a with-profits...
Insurance - Necessary For Peace of Mind
There are many various types of insurance. Insurance is a policy where you invest a certain amount, that you do not get back, that will pay you in the event of a predetermined event. The specifics vary greatly according to the kind of insurance. ...
Really Cheap Car Insurance
There are the usual tips for getting really cheap car insurance.
You may need to be reminded of these. Then there are the secrets
that you haven't heard about. You'll find a few of those here
too.
1. Shop around. Call several companies for...
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Life Settlement :Towards A Free Market for Life Insurance
The Life Settlement market is all about providing due access to needed cash from existing life insurance.
This so-called free market referred to as the life insurance industry’s secondary market is based on a central premise, namely that the value of life insurance is best determined by independent market forces and has been validated in recent years by its rapid growth. It is also amazing to see the value creation and opportunities that this market presents. What it a life settlement and why may it be an attractive financial alternative to policy holders?
Various market providers in this sector of the industry are focused on servicing viatical settlements, life settlements, and senior settlements. Maximizing the profitable offering price for your life insurance policy in what is commonly referred to the secondary market for life insurance. Quite innovative, albeit counter-intuitive, advocating looking at things from a totally different perspective and finding new value in life insurance
Life insurance provides financial solutions to meet various needs of businesses and families. Over time, however it also needs to be dynamic and change with the holders and the/their demands. For example as loans are repaid , key executives retire, estates become smaller, businesses are sold, estate taxes are reduced — or better yet, no longer exist of in cases where the policy simply becomes too expensive it is definitely time to revisit said policy.
Until just several years ago, individuals in the
situations laid out about above were facing a monopoly, a market situation in which a seller can only sell to one buyer. Imagine if a homeowner, after living in the home for many years, was told that instead of being permitted to sell the home to any willing buyer, he or she could only sell it back to the original builder at the price determined by the builder. Clearly, no one would tolerate such a situation for homeowners, but it has existed for life insurance policy owners. For many years, policy owners have had only one buyer for their policies — the life insurers. The advent of a secondary market has lessened the monopoly power of life insurers and created a free market for policy owners to create value from and using their insurance.
Before the advent of the secondary market, life insurance policies could not readily be sold, and it would have made little sense to speak of a policy’s fair market value. By its very existence, this new and growing secondary market for life insurance bestows on every policy a fair market value like the owner’s other financial assets. A life settlement can now be treated like any other financial vehicle.
Peachtree Life Settlement Funders
Life Settlement Experts
About the Author
Jon Thomas, has been involved in the finance and insurance industries since 1979, concentrating on emerging growth markets and specialized financial niches.
Life Settlement Experts
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