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... , a policy owner can realize value today from an asset that's generally thought to only provide a benefit when the insured passes away. Some of your clients might be thinking about surrendering their Life insurance policies or simply letting them lapse. There are many reasons why a senior citizen would want to sell their Life policy: The policy is no longer needed or wanted To pay for the rising cost of long-term health care The premiums become unaffordable There's a change of beneficiary due to death or divorce To receive more money than the cash surrender ... yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Life Settlements: Think Outside The Box 4/30/2013 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Your clients rely on you as their ... adviser for innovative insurance and financial planning options. Due to recently enacted laws, financial professionals have the opportunity to add a new product to their client services: Life Settlements. Jolene Fullerton explains how this powerful resource can allow you to help your clients maximize the full potential of their Life insurance policies. A Life Settlement is the sale of an existing Life policy for a lump sum of cash that's less than the policy's face amount, but more than the cash surrender value. A Life insurance policy is property- like a car ...

...ance policy and one designed for senior adults, and you'll see that the newborn policy costs less. Life insurance companies know that young cu...pecially after you purchase adequate life insurance for yourself. Then weigh the pros and cons of newborn life insurance and talk to your insurance agent as you make this decision.

...pse. There are many reasons why a senior citizen would want to sell their Life...agreed on price is determined for the Life insurance policy, the owner is paid a lump...

...rs insurance records. High school seniors or juniors and freshmen at local col...es that the days are gone when Term insurance was available only with annually...

...ice their clients. Craig Badger, senior computer systems analyst for Prudenti...will be much easier, too," he added. Life insurance agents are managing information better because OLifE is up and running on their desktops. But OLifE's ultimate benefit will be its ability to integrate Property/Casualty and Life insurance system information. ACORD is wor...

... the next decade' as more healthy seniors look to sell their policies. Conning...ey know it thoroughly. Learning about life settlements shouldn't be difficult....

... in the National Underwriter, P&C Edition, and is reprinted with permission. Bobby Reagan is the president of Reagan & Associates. He has been in the insurance industry for 23 years and in the consulting business for the past 13 years. Jim Campbell is senior vice president of Reagan & Associates. After beginning his career in the banking industry, he has spent the past 10 years consulting to financial institutions on issues related to strategy and financial performance. Reagan & Associates is a management consulting firm working with organizations involved in ... yourself in our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back The Changing Insurance-Distribution Landscape 4/30/2013 10:44:59 PM by CompleteMarkets Editor , Robert Reagan This content has not been rated yet. THE CHANGING INSURANCE-DISTRIBUTION LANDSCAPE by Bobby Reagan ... Jim Campbell For years, little changed in the distribution of insurance other than the gradual shift of market share in the Personal Property and Casualty business from independent agents to direct writers. As we approach the end of the century, however, changes are taking place that could, in a relatively short period of time, affect the distribution of insurance more dramatically than the combined changes over the last 20 to 30 years. The relationships between insurance companies and their agents will continue to change as some companies consider alternative ways to distribute their ...

Long-Term Care Insurance: Not For Seniors Only!
LONG-TERM CARE INSURANCE: NOT FOR SENIORS ONLY!   Imagine an ins...ng on selling Disability, Health, and Life insurance, but perhaps little or no LTCI s...

... right insurance. Weigh these factors in deciding on the policy that best fits your needs: Are your coverage limits and deductibles appropriate? For what types of disasters (perils) are you covered? Which perils are specifically excluded? Does your insurance provide adequate protection to senior management against litigation resulting from inadequate business continuity planning? Does your coverage contemplate inflation, improvements, and building code changes? Is your coverage for replacement cost' or actual value' (cost less depreciation)? Does your Business Interruption insurance cover loss of income ... of transportation services? If the Disaster Management Team makes a disaster declaration' does your insurance cover the costs charged by your alternate site vendor? Does it cover all the extra personnel and other costs associated with activating and operating the alternate site? Do you carry enough Life insurance on key executives? Have you reviewed your coverage with your professional insurance advisor within the past year? If you implement an effective Business Continuation Plan will your insurance premiums go down? If disaster strikes, careful consideration of the risks your business is exposed to ... x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. x No Thanks Loading.. ASE Insurance Services 1 2 3 4 5 Rating history (0 Reviews - 0 of 5.0) Shows who have rated the content, and the rating score. Write your review here. (Required) Please consider the following: 1. Would you recommend this company? 2. What about this company do you like/dislike? 3. Why did you choose this rating? Submit This Anonymously Submit Cancel Contact Us ...

... accordingly. Complex cases go to senior staff. Simple, low-cost claims get ap...to competitors. The choice for insurance leaders is simple. Keep treating...