Why Life Settlements??

Given current state of the markets well docu-drama -ed in the current hyper negative global press, many people are looking to generate cash...

Madoff in Aspen, huge losses in the market, commodities plunging, real estate market virtually frozen especially at the top end.

So some are looking to save money or sell assets that are either costing them money on a cash flow basis. One of these assets is a whole Life Insurance policy.

Historically, Life insurance policy owners, after paying premiums on their life insurance policies for many years, have traditionally had only three options if they decided to discontinue their policies:


1) allow the policy to lapse;

2) offer the policy back to the company that originally issued it; or

3) exercise the policy’s non-forfeiture options.

Now we have another option – a life settlement – that is available through a secondary market for life insurance.


Here are a few reasons why this may make sound financial sense for your clients:

· Policy premium cost has become prohibitive

· Policy performance is not meeting projections and may require increased premiums

· Primary beneficiary named in policy predeceases the insured

· Policy owner is now divorced and the beneficiary was his/her spouse

· Corporate buy-sell agreement established, now one of the partners has died or retired

· Retirement of a key executive from the firm that insured his or her life

· Level term policies in which the conversion period is expiring

· Term life insurance costs have increased beyond affordability

· Insured’s estate has been reduced in size and thus one’s tax burden has been reduced

Or you may simply wish to generate cash instead of paying premiums.


Call me if you wish to ascertain a market value for your whole Life Insurance policy in a Life Settlement. We will shop your policy as many investors are available for your type of policy and get you the highest dollar on your policy possible.

If you need these or any financial products and or advice I am your man… Life Insurance, Estate Planning, Asset Protection, Life Settlements, you name it. Let me know http://www.fpaspen.com/ or resorttown at gmail.com

If it is Aspen Real Estate, foreclosures or short sale you seek, look up my wife at http://www.searchaspenrealestate.com/ or aspenbroker at gmail.com