Purchase a guaranteed structured settlement income stream Current rates are near 7%!
Purchase a guaranteed structured settlement income stream Current rates are near 7%!
34 years of experience in the insurance and financial industry. Let us broker your policy sale for the highest possible offer in the shortest amount of time.
A structured settlement is a pre-existing monetary payment that's paid out for a defined period of time. They are generally lawsuit proceeds or lotteries. A sum of money is transferred to an insurance company that acts as a third party and is responsible for paying the proceeds back to the new owner. They can be paid out over both short and long periods. Only a few insurance companies handle structured settlements. Only the biggest and most secure, such as MetLife, John Hancock and Pacific Life are entrusted with structured settlements. MetLife has been handling structured settlement payouts for 40 years. Safety is the most important part of structured settlements. Some of the strongest guarantees on the planet.
We purchase the high interest guaranteed income streams from the current owners. In some cases, the owner wants to sell the income stream for a discounted rate and single/immediate payment. They want instant cash and do not want a guaranteed income stream.
Our clients can purchase the guaranteed income streams at highly discounted rates! You are purchasing more money with less money! An instant win. Rates are currently around 7%. This is a fixed and guaranteed rate of return that does not change. A hypothetical example would be buying a $250,000 income stream for $100,000. Like buying an existing pension for much less than the total value.
Income streams can be custom designed for your individual needs. Income streams can start immediately or can be deferred to a later date such as retirement in future.
A life settlement is the sale of a life insurance policy for more than the cash surrender value to a third party. Your policy is your property, and you have the right to sell it for cash. The life settlement business has been around since 1911. It became more well known in the 1980's. In the early 2000's major financial institutions entered the arena buying policies as an alternative investment.
Most anyone that owns a life insurance policy over age 65, or a younger individual with health issues. the policy must be at least two years old and a minimum of $100,000.
Policies are sold for many reasons. The policy is no longer wanted or needed. Poor policy performance, premiums too high, change of circumstances, loss of beneficiary/spouse passes prior, funding long term care, need for immediate cash, dependents no longer need protection and more. In some cases, you can keep a portion of the death benefit and only sell a portion. That means you still have life insurance, no premiums and cash in your pocket.
After a free consultation we shop your policy to multiple institutional providers looking for the highest cash offer. After accepting the highest cash offer, your policy is assigned over to that financial institution. Generally, medical records are used to determine the cash offers. We do all the work and aggressively work for the highest offer possible
If you are thinking about cashing in your life insurance policy or stopping your premiums and letting it lapse, contact us first.
34 years of experience and involvement in this field. We understand the life settlement business front to back. Our connection with the largest institutional buyers allows us to secure the highest offer possible.
Reach out with any questions or to set up a meeting to discover the best path to your financial freedom!
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GUARDIAN SETTLEMENTS and FINANCIAL
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