Viatical Settlement Price Quotes

Tips and Information about Viatical Settlements

 

The Life Insurance Settlement Industry exists because it provides a unique financial service to policyholders in need. Simply put, Life Insurance Settlements allow policyholders to use their life insurance policy as a liquid financial asset. It involves the sale or transference of an existing life insurance policy in exchange for compensation, monetary or otherwise. It is an invaluable service for those in need of financial assistance or a timely alternative for senior individuals re-evaluating their estate planning.

The amount provided in a Life Insurance Settlement reflects the discounted future value of your life insurance proceeds. There are several important factors in the computation of a present value amount. These factors include the expected amount of time for collecting the life insurance proceeds as reflected in the insured's life expectancy estimate, the annual cost of maintaining premium payments and a discount rate.

A practical discussion on Life Insurance Settlements

Because of State regulations protecting policyholders, the Life Insurance Settlement Industry is divided according to the age and the health condition of the insured. A Viatical Settlement is provided for terminally ill individuals with a life expectancy of five years or less. A Senior Settlement (also referred to as a Life Settlement) is designed for individuals age 65 and above who have a shortened life expectancy but are not terminal.

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When the stock market is volatile it is a prime time for investment fraud. Con artists lurk everywhere trying to get rich from unsuspecting investors who are looking for ways to recoup their lost savings. They pitch their scams on ways to beat the system and get high returns with virtually no risk, making those who choose to listen believers of their 'too good to be true' claims. Those who have lost their retirement savings or who are trying to build a nest egg could fall victim to these scams unless they use common sense and extreme caution.

To avoid scams, investors should proceed slowly and cautiously before committing to any investment scheme. Check with state regulators to be sure an opportunity is legitimate. Use common sense when hear of a deal that is too good to be true.

Scams come by way of telephone, internet, mail, in-person, and email.

These crooks are experts in their field who make their living by talking people out of their money. This is their chosen career and they take pleasure in swindling anyone who will be swindled. The telephone and internet makes it very easy for these persons to operate. A well honed telephone message can wear down some of the most difficult marks. A well built web page can make the most dishonest business appear legitimate.

The North American Securities Administrators Association lists the top 10 investment frauds:

1. Unlicensed individuals selling securities
2. Deceptive stockbrokers
3. Analyst research
4. Corporate promissory notes
5. Debt notes from prime banks
6. Illegal viatical settlements
7. Affinity fraud
8. Charitable gift annuities
9. Oil and gas schemes
10. Leasing scams

Some ways investment fraud is carried out are:

1. Internet fraud
2. Abusive sales pitches
3. Fraudulant investment seminars
4. Telemarketing fraud
5. Pyramid schemes
6. Commodity fraud
7. Illegal franchises
8. Fraudulent high tech investments
9. Entertainment-related investments
10. Churning
11. Unauthorized trades
12. High pressure selling
13. Illegal accounts

As you can see, investment fraud can come in many different forms. You, the investor, must take responsibility for your choices. You need to be educated in protecting your hard earned money. You need to be aware that there are those who want your money and will try any scheme to get it. You need practice diligence in choosing your broker, financial advisor, insurance representative, or any other person who will make choices for you and your money.

• Got questions about investment fraud?

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Article about Gallant's Promotional Services

Article about what Promotional Services Gallant can offer.

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