LIFE SETTLEMENTS BLOG AND NEWS
Our Newsletter
The Taxation of Life Settlements: What You Need To Know
Issue No. 147, March 12, 2026 The Taxation of Life Settlements: What You Need to Know Since we are now deep into tax season, we thought this would be a good time to review the tax consequences to the seller of a policy in a life settlement. For each transaction, the policyholder usually gets…
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Life Settlements: Two Policies to Focus on Now!
Issue No. 146, February 26, 2026 Life Settlements: Two Policies to Focus on Now! Now is the time to take another look at term policies and secondary guarantee policies. Term Policies We have often stressed the importance of timeliness when it comes to life settlements involving term policies because it is crucial that the life…
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Which of Your Client’s Life Insurance Policies Can Be Cashed Out?
As a financial professional, identifying which assets serve your clients best is a top priority. When a policy is no longer needed or premiums become burdensome, a life insurance settlement offers a powerful exit strategy. At Life Insurance Settlements, Inc., we help agents and brokers determine which policy types qualify for a high-value secondary market…
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Are There Age Restrictions for Selling My Life Insurance Policy?
Many policyholders eventually find that their life insurance no longer fits their financial needs. If you are considering cashing out your life insurance, you might wonder if your age prevents you from qualifying. At Life Insurance Settlements, Inc., we help you navigate these requirements to unlock the maximum life insurance cash value from your unwanted…
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Financial Relief for Terminally Ill Patients
Facing a terminal diagnosis is an overwhelming experience that brings not only emotional strain but significant financial pressure. At Life Insurance Settlements, Inc., we understand that medical bills and care costs add up quickly. A viatical settlement offers a powerful way to unlock the value of your life insurance policy when you need it most.…
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Beating the Odds: What Happens If You Outlive a Viatical Settlement?
Facing a terminal diagnosis is overwhelming, but outliving your prognosis is a triumph. At Life Insurance Settlements, Inc., we help you navigate the financial freedom a viatical settlement provides. If you “beat the odds,” you may wonder about the implications for your settlement. Rest assured, your payout is yours to keep, regardless of your health…
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Best Uses for Insurance Settlement Funds
Deciding to sell your policy is a major financial milestone. At Life Insurance Settlements, Inc., we help you unlock significant capital from unneeded coverage. However, receiving a lump sum is only the first step. Understanding how to strategically deploy these funds is essential for securing your long-term comfort and maintaining your overall financial independence. Eliminating…
Read MoreOur Podcast
Transforming Life Insurance into Retirement Assets with Steven Zeiger (Ep.11)
What happens when a life insurance policy doesn’t perform as expected? In this episode, Mark Mrky and Rob Haynie chat with Steven Zeiger, from KB Financial, about the often-misunderstood world of life insurance costs and performance evaluations. Steven, known for his independent research and advisory services, offers a fresh perspective on how to assess the…
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Analyzing Life Settlements from the Buyer’s and Investor’s Perspective with Jose Garcia
Life settlements are a fascinating aspect of the financial world, providing a secondary market for life insurance policies that benefits both policy sellers and institutional investors. However, some sellers may have concerns about the use of their policies after selling them. That’s why this week, we want to address those concerns. In our latest episode,…
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The Secrets of Life Expectancy Underwriting for Life Settlements with Vincent Granieri (Ep. 8)
Life expectancy is a crucial factor in many aspects of life, such as retirement planning, life insurance, and health care. But it is also a huge component when selling your life insurance policy! However, estimating how long someone will live is not an easy task, as it depends on various factors, such as medical history,…
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Life Settlements vs. The Life Insurance Industry – Part 2 with Alan H. Buerger (Ep. 7 is LIVE)
Many people buy life insurance policies without fully understanding their options, benefits, and risks. Life settlements are an alternative option that can help policy owners unlock the hidden value of their life insurance policies and use them for their own needs. However, life settlements are not widely known or understood by the public, and they…
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A Journey Through Life Settlements – Part 1 with Alan H. Buerger (Ep. 6
Life insurance is a valuable asset that can provide financial security for your loved ones. But what if you no longer need or want your policy? Have you heard of life settlements? Wondering how it can help you free up money for your retirement, health care, or other needs? This week on Unlocking the Hidden…
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Life Settlements: The Buyer’s Perspective with Richard Beleutz (Ep. 5)
You might have heard about the exciting potential of life settlements for advisors and clients alike, but have you ever wondered who the buyers are and what drives their investments? Join Mark Mrky and Rob Haynie for an informative episode, as they welcome Richard Beleutz, the founder and chief executive officer of AIR Asset Management.…
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Advisors, Here’s What You Need To Know About The Life Insurance Settlement Association (LISA) with Bryan Nicholson (Ep. 4)
The life settlement industry can be complex, leaving individuals and financial advisors overwhelmed with information and struggling to navigate it effectively. But fear not, as this episode is all about sharing the strategies needed to maximize the benefits of life settlements. Mark Mrky and Rob Haynie are joined by the Executive Director of the Life…
Read MoreSettlement News
Is Your Life Insurance Policy a Hidden Asset?
Many seniors view their life insurance policies as a fixed obligation or a dormant safety net, but these policies are often valuable assets that can be sold. A life settlement allows you to unlock the market value of your coverage, providing immediate liquidity when you need it most. Discover how this financial strategy can transform…
How Life Settlements Can Transform Your Advisory Practice
As a financial advisor, your goal is to provide comprehensive strategies that protect and grow your clients’ wealth. However, many practitioners overlook a significant opportunity: life settlements. Understanding how these transactions work can fundamentally change how you manage mature life insurance policies. Explore how this powerful tool can enhance your service offerings and client outcomes…
Viatical vs. Life Settlements: Which One Is Right for Your Health Situation?
Navigating the Path to Policy Liquidity When a life insurance policy is no longer needed or becomes too expensive to maintain, selling it on the secondary market is a powerful way to reclaim its value. However, the path you take—either a life settlement or a viatical settlement—depends almost entirely on the health status of the…
Term Conversion Deadlines: The Hidden Revenue Opportunity You’re Missing
The Approaching Cliff of Expiration For many financial advisors, a term life insurance policy is often viewed as a “use it or lose it” asset. As clients approach the end of their level-premium period or the age limit for conversion, the standard advice is often to let the policy lapse or convert it to a…
Viatical Settlements, Life Settlements, Accelerated Death Benefit Riders – How Did It All Begin?
Viatical Settlements, Life Settlements, Accelerated Death Benefit Riders – how did it all begin? The Life Insurance Settlement Association (LISA) has helped sponsor a new documentary film by The New Yorker magazine that explores the beginnings of the life settlement industry through viatical settlements for HIV/AIDS patients. Cashing Out is a short, historical-style documentary that…
Don’t Let the Clock Run Out: The Term Conversion Opportunity
The Hidden Value in Expiring Policies Many financial professionals overlook a critical window of opportunity when a client’s term insurance policy nears its expiration date. Instead of allowing these assets to simply lapse, astute agents can help clients unlock significant value through a life settlement, turning a potential zero-dollar loss into a substantial financial gain.…
Surrender vs. Settlement: Unlocking Your Policy’s True Value
Stop Before You Surrender If you are considering cancelling your life insurance because it has become too expensive or is no longer needed, pause immediately. Most policyholders unknowingly forfeit thousands of dollars by surrendering their coverage back to the insurance company for a fraction of what it is truly worth on the open market. The…
Factors That Impact the Value of Your Life Insurance Settlement
If you are considering a life insurance settlement, understanding how your policy is valued is crucial. At Life Insurance Settlements, Inc., we help senior policyholders, like you, navigate this complex process to get the maximum cash out of their insurance. The final offer you receive depends on several key elements that determine its market value…
Viatical Settlement FAQs
For seniors facing a critical or chronic illness, managing medical costs and planning for the future can be overwhelming. Many policyholders with life insurance worth over $100,000 may not realize their policy is a valuable, untapped asset. Life Insurance Settlements, Inc. is here to provide clarity. We answer the most frequently asked questions about viatical…
How Do Viatical Settlement Providers Determine Life Expectancy?
If you are considering a viatical settlement, understanding how your life expectancy is determined is crucial. This calculation directly affects the cash value you receive for your policy. Life Insurance Settlements, Inc. works to demystify this critical step. We ensure you fully grasp the process and the factors that influence your potential critical illness payout.…
