Recently you may have been hearing more and more about life settlements and wondering what are they? Life settlements are a new way for you and your client to look at a life insurance policy. Some can be transformed into an unexpected source of income, freedom and flexibility, all for your enjoyment, while your clients are still alive. A vibrant secondary market for life insurance policies is populated by major institutional investors searching for diversification of investment options has come into being. That means that hitting in your client’s safe department box or bottom drawer may be an undervalued asset.

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Life settlements are relatively new to the life insurance marketplace. Until recently policy owners of unwanted coverage had limited alternatives: they let policies laps or surrender them for cash value. But now the insurance carrier no longer holds sole control over the options clients have with their life insurance policies. Clients may now be able to sell their policy in the secondary market for far more than the cash surrender value the life insurance carrier would offer. Life settlement empowers policy owners to view life insurance as an asset rather than an as an expense. When a life settlement is used policy owners receive market value for their life insurance policies and no longer have an on going premium commitment. As such, life insurance has become an important financial tool for managing investment portfolios.