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    Q Life Settlments Blog

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August 19, 2019

The Different Types of Life Insurance and Life Settlements: What You Need to Know (Part 2)

In our previous installment, we discussed the two main categories of life insurance: permanent life insurance and term life insurance, but that really just scratches the surface. There are many variations of both of the main types of life insurance policies, in this article we will break down some of the more common variations.

August 6, 2019

The Different Types of Life Insurance and Life Settlements: What You Need to Know (Part 1)

At Q Life Settlements we are often asked which type of life insurance is best for a life settlement consideration. Not only do the many different types of life insurance products out there cause confusion, the terms that insurance companies use to describe their products may differ from one company to another. In this article we will discuss the two fundamental types of life insurance: Term and Permanent life insurance, but each category has a handful of subtypes that we will cover soon in our next installment.

July 20, 2019

To Lapse Or Not To Lapse: Know Your Options To Make An Informed Decision

Life insurance is a critical protection for many policy holders when they take out their policy – it can help protect a business, a young family, or ensure a mortgage can be paid off for example. But for many policy holders, there comes a time when they must evaluate whether their coverage is still well suited to their current life circumstances.

May 22, 2019

US Seniors Facing Staggering Retirement Shortfall

According to a study by Boston College’s National Retirement Risk Index (NRRI), nearly 50% of US households are in jeopardy of not having enough saved for retirement, and they further note that “explicitly including health care in the Index further drives up the share of households ‘at risk.’” In fact, out of over 2,000 US adults surveyed by NerdWallet, only 32% believe that they will have saved enough money for retirement….

May 6, 2019

Why Most Americans Make Early Withdrawals From Their Retirement Savings

A recent study published by GoBankingRates surveyed 2,000 Americans who indicated they had made an early withdrawal from their retirement funds, and while the results are fascinating not all of it is surprising. The study found that nearly 44% made deductions to pay off debt and bills, 22% to pay for medical expenses and healthcare, 22% to cover a financial emergency, and 12% to pay for education or purchase a home.

April 18, 2019

Some Common Mistakes Which Can Devalue Life Settlements

Life settlement transactions are frequently very complex and can be time-consuming to conclude. However, the aim of these transactions is generally the same, and that’s to achieve the maximum life settlement offer possible. Since the guiding objective is to determine the fair market value for a given life insurance policy, it’s important to pay attention to the structure and execution of any transaction which is considered. These factors will also have a huge impact on whether or not any deal is actually consummated, so that money is actually put into the hands of a policy owner.

April 1, 2019

Seniors’ Long Term Care Costs Growing as Medical Costs Slow Down

In the study, “Explaining the Slowdown in Medical Spending Growth Among the Elderly,” published in the February edition of the journal…

February 27, 2019

Seniors May Be Able To Use Life Insurance To Cover Long-Term Care Costs

A bill has been introduced in Congress which would allow seniors to use life insurance policies they own to cover a whole variety of health costs, including long-term care. The bill is sponsored by Representative Brian Higgins (D-NY) and Representative Ken Marchant (R-TX), and its intent is to allow seniors to improve quality of life in their later years.

December 22, 2018

5 Things To Consider Before Selling Your Life Insurance Policy

In recent years, the possibility of selling a life insurance policy as a means of raising funds has become increasingly popular with policyholders. In fact, an entire industry called ‘Life Settlements’ has sprung up around this practice, with some companies eager to purchase prime life insurance policies, in expectation of cashing in the death benefit when an individual passes on.

November 16, 2018

Who Invests In Life Settlements?

As a general matter, investors in life settlements are “institutional” investors – that is, sophisticated investment funds that are professionally managed. The typical investors include private equity funds, pension funds, specialized life settlement funds, family offices, and hedge funds. These investors are interested in life settlements for many different reasons, but some of the more common reasons fall into a number of categories…