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...
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 “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...
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:...
How Model-Law Updates Turn Into Real-World Disclosure Paperwork When a model act gets refreshed, the first place you feel it is in your disclosure packet. Even “technical” amendments can change what must be shown, how it must be signed,...
Why Indexed UL Illustration Assumptions Matter in Life Settlement Pricing Indexed universal life (IUL) policies add a layer of complexity to life settlement underwriting because policy performance depends on crediting methods, caps, participation rates, spreads, and other moving parts...
Why Escrow Matters in a Life Settlement Closing A life settlement closing involves multiple moving parts: ownership transfer paperwork, carrier requirements, premium timing, privacy-sensitive records, and the actual movement of settlement funds. Because money and legal rights are changing...
Before completing a life settlement, most sellers focus on the offer amount, the closing timeline, and what documents they need to sign. One factor that can quietly affect pricing, buyer appetite, and long-term peace of mind is the financial...