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Financial Security through Structured Settlements
Structured settlements have become a natural part of personal injury and worker's compensation claims in the United States, according to the National Structured Settlements Trade Association (NSSTA). In 2001, life insurance members of...

Growing Faster Than Your Cash Flow? Let Factoring Fund Your Next Expansion!
Why wait weeks or months to get paid by your clients when you can access your money in a matter of days by factoring your invoices. When a business factors their invoices, they are allowing a third party to purchase their invoices at a discount...

Structured Settlement: Deciding If This Is The Way To Go
Often, a structured settlement is one that offers the payment of funds owed in an agreed upon way. It works to allow individuals to receive payments of the money that is owed to them in such cases as a lottery winning or a personal injury lawsuit. ...

Website Promotion – Where to Get Ideas for Writing Articles
Some six weeks ago, I began writing and submitting articles to free content sites in order to promote the six commercial Websites I own. The results have been both swift and dramatic, and the number of links from external Websites to my own...

What Is Cash Flow?
Cash flow simply means the money that comes into and leaves a business or household. Money flows into a business in the form of revenues and out through the form of expenses. Money flows into a household in many forms. Are you receiving money from...

 
It's Time to Review Your Family's Financial Security

(ARA) - If you're like most people, three years of volatile stock prices has given you new perspective on your financial situation. It's amazing how your perspective can change when you're standing on a window ledge looking down.

It's time to come in from the ledge and take a hard look at your financial goals. Although you can't control what the investment markets will do, you can control how you prepare for retirement or your children's college education. More importantly, you need to protect your family against unforeseen financial setbacks such as the death of a breadwinner.

"Anyone who has children, gets married, buys a home or assumes other financial responsibilities needs to review his or her life insurance coverage on a regular basis," says Robert Kerzner, executive vice president of Hartford Life Insurance Co., a subsidiary of The Hartford Financial Services Group.

"Like most people, you probably already own some life insurance. You just haven't thought about your coverage since you stuffed your policy deep inside a drawer 10 years ago," says Kerzner.

While your life insurance coverage may have remained relatively unchanged, your life undoubtedly has not. It's important to periodically review your coverage to help ensure that your family is adequately protected.

A recent survey sponsored by The Hartford found that 43 percent of Americans fail to review their coverage after a major life event. A major life event is defined as the birth or adoption of a child, marriage or divorce, the purchase of a house or primary residence, graduation from college, or the completion of a child's education. More than 70 percent did not review their coverage annually, while 11 percent reported never reviewing their coverage at all.

"It's shocking that so few people review their family's financial security on a regular basis," Kerzner says. "Clearly, the life insurance industry needs to educate more people about the importance of protecting their loved ones. Their families' financial futures are at stake."




There are many circumstances that can affect your life insurance coverage, so ask yourself the following questions:

* Is your policy's death benefit adequate? If your goal is income protection, is the policy's death benefit large enough for your family to maintain today's standard of living? If the policy was purchased for wealth preservation, is the death benefit adequate to cover current estate settlement costs?

* How is your policy performing compared to the original projections? After a decade of declining interest rates, the premiums you are paying today may be inadequate to keep your policy in force for the long run. If you purchased your policy 10 or 15 years ago, you may actually be required to come up with more cash to maintain your coverage even if you own a level-premium policy. Or, in some instances, you may have to pay premiums for more years than you originally planned.

* Are you paying too much? Sometimes, you can pay less for the same amount of coverage. Or, you may be able to obtain additional coverage for the same price.

* Is the policy's ownership structured correctly? The ownership of a life insurance policy can adversely affect how its death benefit is taxed. If you purchase coverage for estate planning, it may make sense for a trust to own the policy.

*Are your beneficiary designations up to date? Births, deaths, marriages and divorces all have an impact. You would be amazed at how many people fail to update this critical piece of information.

"Your life insurance professional can help you answer these questions and determine whether or not you have enough life insurance," says Kerzne. "You may find your coverage is fine; you may even discover you need less than you own. Just make sure you reach into that drawer a little deeper tomorrow morning and pull out that old policy. Your family will be grateful you did."

Courtesy of ARA Content





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Courtesy of ARA Content





 

National Structured Settlements Trade Association (NSSTA)
Provides structured settlements using periodic payments to resolve claims.
www.nssta.com
 
Structured Settlements
Setting up structured settlements for personal injury claims.
ilf.hartfordlife.com
 
Structured Settlements, Structured Annuity, Structured Settlement ...
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www.structuredsettlements.org
 
Structured Settlements | Annuity Purchasers
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Annuity Transfers Homepage - Buyer of Structured Settlements · Home | Sell Your Payments | Brokers | Investors | Testimonials ...
www.annuitytransfers.com
 
EPS Structured Settlements Group: A Structured Settlements Company ...
EPS Settlements Group is located in Denver, Colorado and is a founder of the structured settlements industry.
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Mckellar :: Structured Settlements
News. ... Skip Intro Always >>
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The Structured Settlement - What You Need To Know
About two thirds of states have enacted laws which restict the sale of structured settlements, and tax-free structured settlements are also subject to ...
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Settlement Capital Corporation - sell structured settlements,sell ...
Direct purchaser of structured settlements and other annuities.
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John Hancock Insurance and Financial Services :: Explore Our ...
A structured settlements annuity provides injury victims or the victim's ... John Hancock Structured Settlements and Attorney Fee Annuities are just two ...
www.johnhancock.com
 
Structured Settlements - Prudential Financial
Your company may become liable to pay a settlement as the result of a legal proceeding. A Structured Settlement Annuity provides ongoing periodic payments ...
www.prudential.com
 
Finance - Structured-Settlements Ezine Articles
EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites.
ezinearticles.com
 
Understanding Structured Settlements: A Novice's Guide to the ...
Learn what a Structured Settlement is in plain English. Find Structured Settlements company, payments, broker, annuity and loan info.
www.noendpress.com
 
structured settlements, personal injury, annuity, disability, accident
Structured Settlements allow income to be spread over time, which is safer ... Structured settlements are often ideal under the following circumstances: ...
www.structuredsettlementhelp.com
 
Structured settlement - Wikipedia, the free encyclopedia
Structured settlements were first utilized in Canada and the United States ... Structured settlements are now part of the statutory tort law of several ...
en.wikipedia.org
 
Structured Settlement vs. Lump sum - What to do?
More and more claimants are choosing structured settlements. ... Most structured settlements come in the form of an annuity, which is sold by a third party, ...
injury.freeadvice.com
 
Welcome to The Halpern Group, experts in structured settlements ...
Offers structured settlements, consulting and negotiation services to attorneys representing injured clients.
www.halperngroup.com
 
Structured Settlements Leader J.G. Wentworth, JG Wentworth ...
Structured Settlements Leader JG Wentworth, JG Wentworth Settlement Funding - More than 25000 individuals have come to JG Wentworth to finance their dreams ...
www.jgwfunding.com
 
DOG BITE LAW - Structured Settlements
For those reasons, changes were made to the Internal Revenue Code that enable knowledgeable attorneys to create "structured settlements." ...
www.dogbitelaw.com
 
Structured Settlements Law – Lawyers, Attorneys & Free Legal ...
I am confused by the number of internet sites that plug offers of structured settlements, sale of structured settlement annuities, and attorneys who offer ...
injury-law.freeadvice.com
 
 

 

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