Life insurance is an important part of your portfolio. Obtaining the true market value for your contract that can be enjoyed throughout the remainder of your life expectancy is our goal. Proper portfolio management means securing an insurance settlement that will benefit both parties. The amount of your life settlement will depend on a number of factors determined by your life expectancy, minimum premium to age 100, policy loans, policy cash value and your carrier financial integrity plus the marketing organization you choose. Always insist on full disclosure of all fees and commissions.
An institutional investor purchases many life insurance policy(s) as part of a total portfolio. Many variables determine market value for a life settlement, including the minimum premium required to age 100 and life expectancy. The best case scenario is one in which the policy owner and the institutional investment group achieve their goals. Portfolio management is the reason a company will buy a life insurance policy and provide the insurance settlement. Determining life expectancy and minimum premium required in the future are factors that determine whether a company will make your policy a part of their portfolio. It is important to use a broker that works only with licensed providers. The market of institutional investment groups is small so if multiple brokers are used the investment group will not respond as the work that is involved for each consideration is too great thus they may not quote at all. Another caution is captive investment groups that represent just one institution, thus your policy is not viewed by all available markets.
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