subject: Life Insurance Settlement [print this page] The benefit of the life insurance settlement is that the policy holder gets cash immediately. If you have a financial need, you can sell your life insurance to get instant cash. Statistic shows that 91% of people sell their life insurance to the investor instead of leaving it as inheritance to the children.
There are many reasons why a policy holder will consider selling the life insurance. You can sell your life insurance if you feel that you no longer need it. If it is expensive to bear the cost of the premium payment, you can sell and cash it instead. Other reasons for settling a life insurance include change in estate, financial and life circumstances. For example, an individual will consider selling his life insurance if all his family members died in a peril.
It is up to you to hire a broker to settle the life insurance. If you hire a broker, you have to pay a commission fee. Hiring a broker can help you to get a larger settlement on the life insurance. The broker will negotiate with the life insurer to see if it is possible to increase the sale amount. Without the help of the broker, you will have to negotiate with the insurer yourself. You are likely to get a lower settlement if you did not hire a broker. The broker is experienced so he knows how to negotiate and get a deal for you.
The amount of the settlement of the life insurance sale depends on several factors. The factors that are taken into account in determining the amount of the life settlement including age, medical history, life insurance policy type and death benefit amount. Before selling the life settlement policy, you should contact a number of companies. For life insurance policy that has cash value, you will get a larger amount of money compare to the cash surrender value. To find out how much is the cash surrender value, you should give the insurance company a call and ask them about it. Getting a free life insurance quotes is no more dangerous than filling out a form to qualify for a free gift card.
To sell your life insurance settlement, you have to fill in an application form. During the application process, you will be asked to sign an agreement that authorize the medical and other personal information to be released to the life settlement company. After the life settlement company gets the information, they will make sure it is protected by determining who check the transaction. If your life settlement broker is negotiating with a life settlement company, you must ask for the name of the company. There are several things you should know when pursuing a life settlement including tax implications, benefits of original policy, affiliation, receipt of life settlement. In the event that you file a complaint against the life settlement company, the Insurance Department will only give you limited assistance. It is not necessary to hire a licensed broker because it is not a requirement.
by: Khan Gee
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