Recent Posts:
How Much Does a Funeral Cost?
Funeral planning is no one’s favorite job. It’s an already unpleasant situation that’s made worse by a confusing list of fees and requirements. As well, some funeral homes add to that confusion by withholding information or pushing you into goods and services you don’t really need.
Why Advisors Shouldn’t Neglect Life Insurance as an Asset Class
As a financial advisor, you tackle the full range of financial situations. You might have one client who’s working to make up for a late start on retirement savings and another who’s tapped out allowed annual 401(k) contributions and needs another tax-deferred account for long-term savings. Both of those clients might rely heavily on traditional assets — equities and fixed income — as the building blocks of their wealth plan. But could the strategic use of life insurance alongside those stocks and bonds enable them to realize their goals faster or with more certainty?
7 Alternative Investments Financial Advisors Should Discuss With Clients
Financial advisors are as diverse in their investment styles as mutual funds. Funds can range from conservative fixed income portfolios that protect capital to leveraged ETFs that amplify the ups and downs of broad market indexes. Likewise, advisors can keep their recommendations limited to varying allocations of the traditional asset classes such as stocks, bonds, and cash — or they can employ more complex portfolio strategies involving alternative assets.
Can Life Insurance Agents Perform Life Settlements?
If you are a life insurance agent, you’re likely to be an early point of contact for the senior who’s considering letting go of his or her life insurance policy. The logical questions you might receive are, “What are my options?” and “How much can I get if I surrender this coverage?” Those questions give you the opportunity to show that policyholder how to unlock a large sum of cash through a life settlement.
Top Life Settlement Companies of 2024
Harbor Life Settlements created this list of the top life settlement companies to help you choose the right partner to maximize the sales price of your life insurance.
Financial Advisors: How to Talk to Clients About a Life Settlement Option
When your client faces an income shortfall just months or years away from reaching his or her retirement goals, what are the best options to course-correct? Downsizing is one, but it’s probably not the prospective retiree’s first choice. Another strategy is to get creative about liquidating non-investment assets to raise cash and shore up the savings balance. That’s where a life settlement can help.
Complete Guide to Viatical Settlement Investments
Read on for a deeper explanation of viatical settlements, what types of policies qualify, how viatical settlements differ from life settlements, how to invest in a viatical settlement, and the pros and cons of viatical settlements as investments.
Life Settlement Investment Guide
Read on for an overview of how life settlements work as investments, who invests in them, the pros and cons of investing in life settlements, the types of life settlement investments, and how to get started as a life settlement investor.
New Survey Finds COVID-19 Confuses an Already Uncertain Retirement Outlook for Americans
To gauge how Americans are feeling about retirement, generally and in light of COVID-19, and to assess knowledge about life insurance and life settlements, Harbor Life Settlements conducted a nationwide survey of 1,700 U.S. adults across four generations. The data revealed a mix of attitudes, ranging from retirement confidence among certain groups to high levels of concern about the long-term financial impacts of COVID-19. There are also generational differences in how individuals plan to fund their retirement and in the retirement expenses savers are most worried about.