Potential Advantages & Opportunities

Life Settlements offer a unique opportunity both to the policyholder and to the insurance / financial professional. As circumstances change, the ability to obtain cash from the sale of a life insurance policy can be particularly valuable. The majority of Life Settlement transactions are entered into for the purpose of purchasing other insurance and financial products. Senior Life Settlements insurance proceeds are unrestricted and can be used to fulfill a wide range of financial and estate planning objectives for your client. The Life Settlement amount is determined by such factors as policy parameters, age, and health of the insured.

Potential Benefits for the Policy Holder:

• Fund new, more cost-effective life insurance like a survivorship policy
• Provide cash gifts to family members
• Provide funds for charitable giving or to establish a charitable remainder trust
• Removing a policy from an estate due to a reduction in size or projected tax liability
• Receive an amount above the surrender cash value of the policy

Potential Benefits or Applications for the Corporate Policy Holder

• Corporate-owned policies on senior executives can be used as a strategic asset in merger & acquisition negotiations
• A Life Settlements investment on key-man policies can be used to payment of company debt
• Bankruptcy forces liquidation of assets, including life insurance policies
• Buy/Sell agreement is no longer needed due to the sale of the company

Potential Benefits for the Insurance and Financial Professional

• Creating new capital for your clients
• Offer new value-added service to your clients
• Reduce lapse rates

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© 2001-2010 Advanced Settlements, Inc. All Rights Reserved.
This website is intended for insurance and financial professionals only, and not for use for the general public. This advertisement does not apply to variable life settlements. Variable life settlements are settled through our BD affiliate. Life Settlement amounts are based on numerous factors. Actual results will vary. According to our internal statistics, the average purchase price obtained by viators through Advanced Settlements, Inc. (from January 1, - June 30, 2009) is on average approximately sixteen percent of the face amount of a qualified life insurance policy. Some or all of the proceeds of a life settlement may be taxable under federal or state income tax laws. Advice from a professional tax advisor is recommended. Advanced does not give legal advice and clients should consult with a legal advisor prior to entering into a life settlement. The number of bidders for a policy may be limited; proceeds from sales of similar policies may vary and may be subject to claims of creditors. Receipt of proceeds may impact eligibility for government benefits and entitlements. Prior to sale, the insured should consider the continued need for coverage, impact to estate plans, availability of insurance, cost of comparable coverage or tax implications. There may be high fees associated with the sale of a life settlement. Securities offered through securities licensed representatives of NFP Securities, Inc., a Broker/Dealer and Member FINRA/SIPC. Advanced Settlements is an affiliate of NFP Securities, Inc. and a subsidiary of National Financial Partners Corp., the parent company of NFP Securities, Inc. Advanced Settlements, Inc. (or its principals) is an authorized broker or producer in all states where life settlements are regulated, except Montana and Vermont.Pat Summerall and his experience with life settlements may not be representative of other clients. Mr. Summerall’s representation does not imply or guarantee any particular performance returns. Mr. Summerall was compensated for his endorsement.Location and mailing address: Advanced Settlements, Inc., 2101 Park Center Drive, Suite 220, Orlando, Florida 32835. phone: 1-800-561-4148. The Advanced Settlements, Inc. Website is currently not approved in the states of Idaho, Iowa, Louisiana, and Oklahoma. If you have any questions about the Advanced Settlements website please contact David Rodriguez at 1-800-561-4148 ext. 1112