Your Motor 2 U
Home  |  About  |  Articles  |  Reports  |  Links  |  Site Map    
Welcome to Your Motor 2 U!
Insurance Articles
•
•
•
•

Home
:: About Us
:: Contact Us
:: Article
:: Reports
:: Links
:: Site Map

Related Links


Life Settlement: Towards A Free Market for Life Insurance
By Jon Thomas


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.

For more information, news and articles see:

Work Accident Compensation - Work Accident Compensation
...ls me that work accident compensation is an incredibly busy area to work in and I am sure that he is right. As you know, there are countless advertisements all day long on the television urging peopl...
Visit Work Accident Compensation...

No Win No Fee Injury Claim - No Win No Fee Injury Claim
...you`d be annoyed if you were involved in an accident that wasn`t your fault and had to take time of work as a direct result. You might be lucky if you have an employer that is prepared to pay you sic...
Visit No Win No Fee Injury Claim...

Dock Levellers - Dock Levellers
...oading your various goods. Our levellers are extremely strong and durable, and are made to handle your vehicle with ease. You are given easy operational control and flexibility, and you are able to pl...
Visit Dock Levellers...

Marina Insurance - Marina Insurance
...ll have been given a number of different policy wordings from a variety of companies, this is a guide is to help you decide what sort of policy would suit you more and give you the exact cover you nee...
Visit Marina Insurance...

Mis-sold Ppi - Mis-sold Ppi
... my bank in the late 1990s to enquire about a loan for a new car. I`d fell in love with this slinky, silver sports car and being a single male at the time, with plenty of disposable income, I thought...
Visit Mis-sold Ppi...

Courier Insurance - Courier Insurance
...or important. Losing such document or parcels can mean huge losses for some people. Therefore,Courier Insurance has become an important consideration for any one using mailing services. It is not unco...
Visit Courier Insurance...

Ppi Claims - Ppi Claims
...he time you felt pressured into taking out payment protection insurance on your loan. The representative from the bank seemed to bamboozle you with facts and figures and to be honest; you didn`t quit...
Visit Ppi Claims...

Jet Ski Insurance - Jet Ski Insurance
...ance have been with us for some time now in the UK and there are many makes and models that frequent numerous Jet Ski Insurance water centres. Taking to the wet stuff on your powerful jet ski will be...
Visit Jet Ski Insurance...

Car Gap Insurance - Car Gap Insurance
...until recently. I suppose unless you buy a car on finance you might not know about such policies. As I understand it the car gap insurance covers you in the event of a car being stolen and never rec...
Visit Car Gap Insurance...

Loading Bay Equipment - Loading Bay Equipment
...ay Equipment for our clients. With this equipment, you are able to load and unload all your merchandise with great ease and efficiency. We provide high quality equipment which is cost effective as wel...
Visit Loading Bay Equipment...

Gap Insurance - Gap Insurance
...? I know that I had never heard about this type of insurance before until it was brought to my attention recently. The gap insurance covers the deprecation on a car in the event of it being stolen a...
Visit Gap Insurance...

Hgv Courier Insurance - Hgv Courier Insurance
...e for a delivery business. So there are now insurers who specialise specifically in more complex insurance policys, they are experts in business insurance; therefore they will be able to advise you on...
Visit Hgv Courier Insurance...
Click For More Detailed Information on:
Home  |  About Us  |  Contact Us  |  Articles  |  Special Reports  |  Links  |  Site Map
Copyright © 2003-2010. All Rights Reserved.


Valid CSS!