How Policy Loans Reduce Net Proceeds in a Life Settlement A policy loan can be a useful way to access cash from certain life insurance policies—but it can also significantly reduce what a policyowner receives in a life settlement....
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Life Settlement Suitability Checklists for Financial Advisors in 2025 When a client asks, “Should I sell my life insurance policy?”, the right answer is rarely a simple yes or no. A life settlement can be a valuable planning tool...
Navigating State Privacy Rules When Sharing Medical Records With Providers Sharing medical records can be essential for receiving quality care, coordinating specialists, switching providers, or supporting administrative needs like disability claims and insurance reviews. But medical privacy rules in...
Estate-Planning Strategies After a Survivorship Policy Life Settlement A survivorship (second-to-die) life insurance policy is designed to pay a death benefit after both insureds have passed away. These policies are often used for estate planning, wealth transfer, business continuity,...
When to Order Multiple Life-Expectancy Reports Before Accepting an Offer In the life settlement and viatical settlement market, a life-expectancy (LE) report is one of the most important inputs used to price a policy. Buyers estimate how long premiums...
Impact of Rising Interest Rates on Policy Valuations in the Secondary Market The secondary market for life insurance—often called the life settlement market—allows policyholders to sell an in-force life insurance policy to a third party for a lump-sum payment....
Evaluating Viatical vs. Traditional Life Settlements for Chronic Illness Cases For people living with a serious health condition, a life insurance policy can sometimes become a financial resource—not just a future benefit. In certain situations, a policyholder may be...
Regulatory Cooling-Off Periods: Why They Protect Seniors in Policy Sales Insurance and financial protection products can be complex, and the decision to buy—especially later in life—often involves high stakes. That’s one reason many jurisdictions require or encourage a cooling-off...
Integrating Ease With QuickBooks Payroll for Seamless Deduction Sync: What It Is and Why It Matters When employee benefit deductions don’t match what’s in payroll, it creates a chain reaction: incorrect paychecks, frustrated employees, extra admin time, and messy...
Boosting Vision Benefit Utilization With Tele-Optometry Services: What It Means and Why It Matters Vision benefits are one of the most appreciated workplace perks—yet many employees don’t use them. The reasons are usually practical: limited appointment availability, long wait...