Your Privacy, Your Control When you think about selling a life insurance policy, HIPAA paperwork might not be the first thing on your mind. Yet HIPAA Forms in Life Settlements Explained is one of the most important topics to...
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What is BRNC Insurance Services? An Overview of Trusted Insurance Solutions At BRNC Insurance Services, we are dedicated to offering a wide range of trusted insurance solutions that cater to your specific needs. Our primary aim is to ensure...
Why “Compensation Caps” Are Really About Proving Conflicts Are Controlled Updated best interest rules don’t usually set a universal, one-size-fits-all dollar cap on what an advisor can earn. Instead, regulators focus on whether compensation is reasonable, whether conflicts are...
Why Key Person Policies Become “Expensive Noise” After an Exit Key person life insurance is often purchased to protect a company if a founder or critical executive dies unexpectedly. It can help stabilize cash flow, cover hiring and transition...
Two Ways to Get Liquidity From a Life Insurance Policy When a policyowner needs cash, life insurance can sometimes act like a financial asset—not just protection. Two common liquidity paths are: (1) selling the policy in a life settlement,...
Why Global Capital Keeps Looking at U.S. Life Settlements International investors often look for assets that behave differently than traditional stocks and bonds. U.S. life settlement portfolios can be attractive in that context because the core return drivers are...
What States Actually “File” in a Life Settlement Transaction When people hear “state filing fees and timelines,” they often assume it refers to the closing of a specific life settlement. In reality, most state-level “filing” work happens before any...
When Converting Term to Permanent Before a Settlement Is Worth Considering Term life insurance is designed to provide coverage for a set period and typically does not build cash value. Because of that, most term policies are not direct...
Why Investors Ask for Incontestability Proof Before They Price a Policy In the life settlement market, investors are buying the right to collect a future death benefit—often years down the road—while paying premiums in the meantime. Anything that increases...
Why “Partial” Life Settlements Often Come Up When Beneficiaries Are Split Some life insurance policies have multiple beneficiaries—children from different marriages, a spouse plus adult children, an ILIT plus individual beneficiaries, or even charitable beneficiaries alongside family members. In...