Deciding whether to sell a life insurance policy can feel overwhelming on its own, but the tax bill that may follow can be just as important. When we talk with clients about life settlements, one question comes up again...
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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...
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...
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...
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...
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 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 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,...