What is Life Settlements?
A Life Settlement is simply the purchase of an existing life insurance policy at a discount to its full face amount.
The price of the policy is negotiated and sold by the owner at a discount, allowing the owner to receive an immediate cash payment to use as he or she wishes offering the seller a life benefit. The purchaser (fractional investor) then takes an ownership interest in the policy and receives the full death benefit when the insured passes.
The transaction is similar to a zero-coupon bond, except the purchaser does not know the exact maturity date. This uncertainty of time is what creates the yield potential. In 1911, a Supreme Court decision called Grigsby vs. Russell cited the right to peaceful enjoyment and Life Insurance is a personal asset that can be transferred for value. Since 2004, Life Settlements has been open to the retail market and individuals can invest and diversify their portfolio even further in addition to stocks, bonds and CD’s and other investments.
Life Settlements can be a tax deferred product and Life Settlements is not correlated to the financial markets or economic indicators and has a history of providing a double-digit return on investment. I will share with you why Life Settlements is a smart way to diversify your portfolio even further. Anytime we here about something for the first time that seem really good, it brings about a built in reaction which psychologist call, “The Uncommon Knowledge Syndrome.” This is especially true with a new idea that seems “too good to be true”. We all have it and it can serve us well. The truth of the matter is that great ideas were at sometime, “uncommon knowledge”, think about the first computer, the invention of the airplane, the cell phone, you get the idea!
Life Settlements itself is asset and not a security. Brokerages are some of the largest investors in Life Settlements and some very well known companies and individuals. To most of the retail market life settlements is new or there is uncommon knowledge.
How can Life Settlements help protect and grow your portfolio?
• Safety and Security-Publicly traded with SEC oversight
• A Rated Legal Reserve Life Insurance Companies-Less Risk and Less Worry
• Diversification-Uncorrelated to stock market, oil prices, interest rates, even terrorism
• Liquidity-Medium to long term investment
• Performance-Absolute known payout & Historical double-digit above average return
• Clear Exit Event-Vast majority of all investors reinvest
• Win/Win Investment- Insured receives cash value & Investor receives solid returns
Please contact me if you have questions and would like to learn more: deb@AlternativeLifeInvestment.com or visit my website at: www.AlternativeLifeInvestment
I would love the opportunity to share more information about Life Settlements with you.
DJBT Investments, LLC dba, Alternative Life Investment
Protect Your Investments and Your Future.
Put your retirement money to work for you safely and securely.