Life Settlement Planning

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Life Settlement Planning

Author : Stephan R. Leimberg
Publisher :
ISBN 13 : 9780872189683
Total Pages : 0 pages
Book Rating : 4.1/5 (896 download)

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Book Synopsis Life Settlement Planning by : Stephan R. Leimberg

Download or read book Life Settlement Planning written by Stephan R. Leimberg and published by . This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the first objective, authoritative and practical guide covering the entire spectrum of the life settlement business. The book begins by identifying what life settlements are and why they work. It discusses how life settlements work and who the various parties are, including insureds, owners, brokers, providers, advisors, agents, carriers, buyers, and rating agencies. It also covers the benefits and opportunities for individual, trust, business, academic, charitable or other organizational owners. It examines the disadvantages and risks of life settlements, when a life settlement is the best choice, and how to evaluate whether to hold or fold. Finally, the book offers best practices and identifies tax issues for agents and attorneys. Key Selling Points: step-by-step guide to evaluating life settlements and determining when and if a life settlement makes sense; provides tips for making settlements work and several scenarios of how and when life settlements can benefit various entities; case studies illustrate the opportunities and benefits that life settlements can provide to policyholders; offers easy-to-grasp examples, practice pointers, planning pointers and practice management tips that can be put into practice immediately; provides answers and direction on how and when to proceed; Appendix is packed with useful information, including a digest of sample state laws, a life settlement flow chart, a disclosure statement, FINRA Notice, mortality reports, sample documents and sample closing documents, a life settlement application and an A.M. Best Report on Life Settlement Securitization.

Life Settlements

Author : Rick Gardner
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)

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Book Synopsis Life Settlements by : Rick Gardner

Download or read book Life Settlements written by Rick Gardner and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. Census Bureau estimates that there will be 50 million people age 65 and older by 2010 (15% of the population). A large segment of this group owns life insurance purchased for earlier life-stage milestones and is no longer necessary for those needs. According to a 2002 Wharton School of Business study, it is now estimated that the potential Life Settlement market could reach $100 billion. Quite simply, a life settlement is the sale of an existing life insurance policy to a third party. This serves a client's financial needs by reducing or eliminating premiums, providing cash for needs such as long-term care, or as a tool for charitable giving. Reasons for considering a Life Settlement include: - Insurance needs have changed - Premiums have become unaffordable or inconsistent with current needs - Estate planning goals have changed - Cash is needed to fund a different life insurance policy, annuities or investments - A change in business owners or key persons has occurred - Funds are needed for long-term health care - A source of cash for charitable giving The funding companies purchasing life insurance policies also review the following criteria to determine the purchasing price of the policy: - Type of Policy: Whole Life, Variable and Universal Life, Joint and Survivor Life - Adjustable Life, Term and Group policies (if convertible) - Policy face value - Percentage of Cash Value to Death Benefit - Percentage of Loans to Death Benefit - Percentage of Premium to Death Benefit It is critical to seek out a reputable life settlement broker. The following is a condensed list of qualifications to be considered when choosing a Life Settlement broker. 1. Regulations on Life Settlement companies vary from state to state. Check your state's regulations. 2. Some states require licensing; others do not. Check to be sure the Life Settlement broker is licensed through the state Department of Insurance, if required. 3. Though the Life Settlement industry is relatively new, it is still important to find out how long the broker has been in business. 4. Equally as important is to check the reputation of the company. One simple way to do this is to ask for a list of referrals from the broker. In addition, obtain this information if possible: - Are Life Settlements a core competency? - Is detailed information about the company available? - Are the senior executives of the company recognized as leaders in the industry? - Does the company have an anti-fraud policy? 5. Reputable brokers conduct business with Providers who are doing business with A.M. Best-rated Issuers. Receiving an Issuer Credit Rating (ICR) from A.M. Best is a rigorous process and has applied high standards to the Life Settlement industry.

Life Settlements and Longevity Structures

Author : Geoff Chaplin
Publisher : John Wiley & Sons
ISBN 13 : 0470684852
Total Pages : 425 pages
Book Rating : 4.4/5 (76 download)

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Book Synopsis Life Settlements and Longevity Structures by : Geoff Chaplin

Download or read book Life Settlements and Longevity Structures written by Geoff Chaplin and published by John Wiley & Sons. This book was released on 2009-08-06 with total page 425 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent turbulence in the financial markets has highlighted the need for diversified portfolios with lower correlations between the different investments. Life settlements meet this need, offering investors the prospect of high, stable returns, uncorrelated with the broader financial markets. This book provides readers of all levels of experience with essential information on the process surrounding the acquisition and management of a portfolio of life settlements; the assessment, modelling and mitigation of the associated longevity, interest rate and credit risks; and practical approaches to financing and risk management structures. It begins with the history of life insurance and looks at how the need for new financing sources has led to the growth of the life settlements market in the United States. The authors provide a detailed exploration of the mathematical formulae surrounding the generation of mortality curves, drawing a parallel between the tools deployed in the credit derivatives market and those available to model longevity risk. Structured products and securitisation techniques are introduced and explained, starting with simple vanilla products and models before illustrating some of the investment structures associated with life settlements. Capital market mechanisms available to assist the investor in limiting the risks associated with life settlement portfolios are outlined, as are opportunities to use life settlement portfolios to mitigate the risks of traditional capital markets. The last section of the book covers derivative products, either available now or under consideration, that will reduce or potentially eliminate longevity risks within life settlement portfolios. It then reviews hedging and risk management strategies and considers how to measure the effectiveness of risk mitigation.

Tools & Techniques of Life Settlement Planning

Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (942 download)

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Book Synopsis Tools & Techniques of Life Settlement Planning by :

Download or read book Tools & Techniques of Life Settlement Planning written by and published by . This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Settlement Option Manual

Author : Northwestern Mutual Life Insurance Company
Publisher :
ISBN 13 :
Total Pages : 176 pages
Book Rating : 4.:/5 (57 download)

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Book Synopsis Settlement Option Manual by : Northwestern Mutual Life Insurance Company

Download or read book Settlement Option Manual written by Northwestern Mutual Life Insurance Company and published by . This book was released on 1964 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Betting on Death in the Life Settlement Market

Author : United States. Congress. Senate. Special Committee on Aging
Publisher :
ISBN 13 :
Total Pages : 316 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Betting on Death in the Life Settlement Market by : United States. Congress. Senate. Special Committee on Aging

Download or read book Betting on Death in the Life Settlement Market written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2009 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Tools & Techniques of Life Insurance Planning

Author : Stephan R. Leimberg
Publisher :
ISBN 13 :
Total Pages : 578 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis The Tools & Techniques of Life Insurance Planning by : Stephan R. Leimberg

Download or read book The Tools & Techniques of Life Insurance Planning written by Stephan R. Leimberg and published by . This book was released on 1999 with total page 578 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Tools & Techniques of Life Insurance Planning

Author : Stephan R. Leimberg
Publisher :
ISBN 13 :
Total Pages : 600 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Tools & Techniques of Life Insurance Planning by : Stephan R. Leimberg

Download or read book Tools & Techniques of Life Insurance Planning written by Stephan R. Leimberg and published by . This book was released on 2004 with total page 600 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Cities for Life

Author : Jason Corburn
Publisher : Island Press
ISBN 13 : 1642831727
Total Pages : 290 pages
Book Rating : 4.6/5 (428 download)

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Book Synopsis Cities for Life by : Jason Corburn

Download or read book Cities for Life written by Jason Corburn and published by Island Press. This book was released on 2021-11-16 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: In cities around the world, planning and health experts are beginning to understand the role of social and environmental conditions that lead to trauma. By respecting the lived experience of those who were most impacted by harms, some cities have developed innovative solutions for urban trauma. In Cities for Life, public health expert Jason Corburn shares lessons from three of these cities: Richmond, California; Medellín, Colombia; and Nairobi, Kenya. Corburn draws from his work with citizens, activists, and decision-makers in these cities over a ten-year period, as individuals and communities worked to heal from trauma--including from gun violence, housing and food insecurity, poverty, and other harms. Cities for Life is about a new way forward with urban communities that rebuilds our social institutions, practices, and policies to be more focused on healing and health.

Planning Life Insurance Trusts and Other Modes of Settlement

Author : Robert Dechert
Publisher :
ISBN 13 :
Total Pages : 20 pages
Book Rating : 4.A/5 ( download)

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Book Synopsis Planning Life Insurance Trusts and Other Modes of Settlement by : Robert Dechert

Download or read book Planning Life Insurance Trusts and Other Modes of Settlement written by Robert Dechert and published by . This book was released on 1941 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Tools & Techniques of Life Insurance Planning

Author : Stephan R. Leimberg
Publisher :
ISBN 13 : 9781941627556
Total Pages : 0 pages
Book Rating : 4.6/5 (275 download)

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Book Synopsis The Tools & Techniques of Life Insurance Planning by : Stephan R. Leimberg

Download or read book The Tools & Techniques of Life Insurance Planning written by Stephan R. Leimberg and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The insurance industry has become more and more creative in developing policies that are flexible enough to meet consumers needs while maintaining a reasonable cost. As a result, insurance and financial advisory professionals must stay current with the newest techniques and latest tools that have emerged. The expert authors of The Tools & Techniques of Life Insurance Planning, 6th Edition, have delivered a resource that helps you do just that. It delivers: » Detailed information about the entire range of life insurance products that can be used by estate and financial planners in a wide variety of circumstances » Planning techniques for retirement income needs, estate and gift tax avoidance, estate liquidity needs, and long-term care planning » Plain-language descriptions of the tax consequences of various life insurance products and strategies that plans can use to minimize tax liabilities » Planning techniques for individuals and businesses, including key personnel policies and buy-sell agreements » Coverage of advanced topics, such as 103 exchanges, the transfer-for-value rule, and the use of life Insurance products for charitable gift planning The Tools & Techniques of Life Insurance Planning, 6th Edition, Delivers the Expert Insight and the Tools You Need to Utilize Life Insurance in the Most Effective Ways This latest edition includes new and expanded coverage of: » Strategies for life insurance planning that take into account higher tax rates and the new Net Investment Income Tax » Expert advice on how to modify existing life insurance plans in light of recent changes to portability rules and the increased estate tax exemptions » Updates on DOMA/same-sex marriage issues and their effect on life insurance planning for new and existing clients » Insight in to how state-level changes to dynasty trusts and the Rule against Perpetuities (RAP) affect life insurance planning » Enhanced buy-sell agreement strategies » Information about entity redemption as a technique for providing estate tax liquidity

Life Settlements

Author : Richard Beleutz
Publisher :
ISBN 13 : 9781981530946
Total Pages : 98 pages
Book Rating : 4.5/5 (39 download)

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Book Synopsis Life Settlements by : Richard Beleutz

Download or read book Life Settlements written by Richard Beleutz and published by . This book was released on 2018-05-18 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: The life settlement industry is thriving and evolving into a more mature ecosystem for investment firms and investors looking to participate in this inefficient space. Every few years new products, structures, and opportunities are opening in the life settlement industry and this book discusses those changes, trends, and core fundamentals necessary for those looking at how to invest in life settlements. This book includes detailed interviews with life settlement veterans and experts, it also provides you with case studies, definitions, a bit of history on the space, and where it is most likely headed next. Richard Beluetz is an experienced investor in the life settlement industry and founder of Alternative Investment Resource (AIR) Asset Management.

Life in Motion End-Of-Life Planning Workbook

Author : Karen Purze
Publisher :
ISBN 13 : 9780999160404
Total Pages : 0 pages
Book Rating : 4.1/5 (64 download)

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Book Synopsis Life in Motion End-Of-Life Planning Workbook by : Karen Purze

Download or read book Life in Motion End-Of-Life Planning Workbook written by Karen Purze and published by . This book was released on 2017-05 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Life in Motion is a guided end-of-life planning workbook to help you organize your personal information. It has all the forms, checklists, and inventory sheets you need to quickly record your most important information. The book walks you through the process of creating a complete picture of your health, household, finances, and final wishes so you and your trusted advisors have ready access in times of transition, emergency, or death. The custom, hardcover binder has eight tab-separated sections to document emergency plans, personal health information, property and financial information, final wishes, estate settlement details, and important document locations.

Life Settlements

Author : Lucienne Rezac
Publisher : Nova Science Publishers
ISBN 13 : 9781624174865
Total Pages : 0 pages
Book Rating : 4.1/5 (748 download)

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Book Synopsis Life Settlements by : Lucienne Rezac

Download or read book Life Settlements written by Lucienne Rezac and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A life settlement is a transaction in which an insurance policy owner sells a life insurance policy to a third party for an amount that exceeds the policy's cash surrender value, but is less than the expected death benefit of the policy. Reports indicate that the life settlements market had experienced robust growth up until 2007 when it was estimated that $12 billion in face amount, or stated benefit, amount, of life insurance was sold in life settlement transactions. More recently, the amount sold has declined. This book outlines the Life Settlements Task Force's findings about the life settlement market and recommends that the Commission consider certain actions to improve market practices and regulatory oversight.

Life Settlements and Longevity Structures

Author : Geoff Chaplin
Publisher : John Wiley & Sons
ISBN 13 : 0470741945
Total Pages : 406 pages
Book Rating : 4.4/5 (77 download)

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Book Synopsis Life Settlements and Longevity Structures by : Geoff Chaplin

Download or read book Life Settlements and Longevity Structures written by Geoff Chaplin and published by John Wiley & Sons. This book was released on 2009-08-03 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent turbulence in the financial markets has highlighted the need for diversified portfolios with lower correlations between the different investments. Life settlements meet this need, offering investors the prospect of high, stable returns, uncorrelated with the broader financial markets. This book provides readers of all levels of experience with essential information on the process surrounding the acquisition and management of a portfolio of life settlements; the assessment, modelling and mitigation of the associated longevity, interest rate and credit risks; and practical approaches to financing and risk management structures. It begins with the history of life insurance and looks at how the need for new financing sources has led to the growth of the life settlements market in the United States. The authors provide a detailed exploration of the mathematical formulae surrounding the generation of mortality curves, drawing a parallel between the tools deployed in the credit derivatives market and those available to model longevity risk. Structured products and securitisation techniques are introduced and explained, starting with simple vanilla products and models before illustrating some of the investment structures associated with life settlements. Capital market mechanisms available to assist the investor in limiting the risks associated with life settlement portfolios are outlined, as are opportunities to use life settlement portfolios to mitigate the risks of traditional capital markets. The last section of the book covers derivative products, either available now or under consideration, that will reduce or potentially eliminate longevity risks within life settlement portfolios. It then reviews hedging and risk management strategies and considers how to measure the effectiveness of risk mitigation.

Life Insurance Answer Book

Author : Gary S. Lesser
Publisher :
ISBN 13 :
Total Pages : 1262 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Life Insurance Answer Book by : Gary S. Lesser

Download or read book Life Insurance Answer Book written by Gary S. Lesser and published by . This book was released on 1999 with total page 1262 pages. Available in PDF, EPUB and Kindle. Book excerpt: Completely up to date... Includes 2001 cumulative supplement! You'll find the answer to every question that may arise regarding life insurance and how it relates to qualified plans and estate planning in Panel's LIFE INSURANCE ANSWER BOOK. This easy-to-use resource guides you expertly through all aspects of life insurance from design and structure to implementation and administration. Rules and regulations are also clearly outlined to ensure that you're complying with the applicable federal and state requirements. You'll find clear, concise and easy-access information and advice in four key areas: = insurance fundamentals = qualified plans = fiduciary responsibility = estate planning The book makes it easy to... = select life insurance policies from the array of choices and options = administer a problem-free plan = gain a clear picture of the underwriting process = Understand The tax aspects of insurance = use innovative estate planning and nonqualified planning techniques = draft air-tight plan provisions using sample plan language. More than 1000 questions are thoroughly explained, covering such topics as: = Legal requirements of insurance = Life insurance as it relates to qualified plans = Fiduciary responsibilities of employers, trustees, and administrators = Regulations governing insurance contracts = Department of Labor and IRS disclosure and reporting guidelines = Records retention = Life insurance as it relates to estate planning and other benefits = and more!

Space Settlements

Author : Fred Scharmen
Publisher :
ISBN 13 : 9781941332498
Total Pages : 0 pages
Book Rating : 4.3/5 (324 download)

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Book Synopsis Space Settlements by : Fred Scharmen

Download or read book Space Settlements written by Fred Scharmen and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the summer of 1975, NASA brought together a team of physicists, engineers, and space scientists--along with architects, urban planners, and artists--to design large-scale space habitats for millions of people. Space Settlements examines these plans for life in space as serious architectural and spatial proposals.proposals.