Why “Cash for Premiums” Deals Trigger Extra Scrutiny “Cash for premiums” arrangements generally involve a third party providing money or other incentives to help a policyowner pay life insurance premiums. On the surface, it can look harmless: someone helps...
Why Selling an ILIT-Owned Policy Requires Extra Fiduciary Discipline An Irrevocable Life Insurance Trust (ILIT) is designed to own life insurance outside an insured’s estate and administer proceeds for beneficiaries under the trust terms. When a trustee considers selling...
Why a Lapsed Policy Isn’t Always “Dead” During the Reinstatement Window A life insurance lapse usually happens after a missed premium and the end of any applicable grace period. But in many cases, the story doesn’t end there. Some...
How Pandemic-Era Mortality Assumptions Still Show Up in Offers Today Life settlement pricing is ultimately a timing and cash-flow problem: investors estimate how long premiums will need to be paid, when a death benefit is likely to be collected,...
Why Liquidity Is the Bottleneck in Many Succession Plans Private-business succession planning often looks clean on paper—until you hit the real-world cash question. Whether the goal is to transfer ownership to family, sell to management, bring in a partner,...
Why Some Policyholders Prefer a Retained Benefit Instead of Selling Everything When people think about a life settlement, they usually picture a full policy sale: ownership and beneficiary rights transfer to a buyer, and the seller receives a lump...
Why Life Settlements Are Being Packaged Like Fixed-Income Assets Life settlements have long been purchased by specialized investors, but securitization has helped widen the audience by converting pools of policies into tradable, bond-like instruments. The basic idea is simple:...
Why a Policy Appraisal Can Change the Negotiation Dynamic When you bring a life insurance policy to the secondary market, buyers will each run their own pricing model. If your file is incomplete or the policy’s economics are unclear,...
What is BRNC Insurance Services? An Overview of Trusted Insurance Solutions Brief Introduction about BRNC Insurance Services At BRNC Insurance Services, we are committed to providing secure and efficient services. Our firm prides itself on delivering a comprehensive suite...
Why Group Term Conversions Are Showing Up More Often in Settlement Conversations Group term life insurance is commonly provided through an employer, association, or other group sponsor. When coverage ends (for example, after retirement or a job change), many...