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Life Insurance Settlement Association
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How to Embrace the New Era of “DIY” Retirement Funding - With traditional pensions disappearing, individual retirement savings accounts are increasingly crucial. Unfortunately, a 2017 report from the U.S. Government Accountability Office found that “many households are ill-equipped for this task and have little or no retirement savings.” Another study found recently that retirement savings “are dangerously low” and placed the median retirement account balance for near-retirement households ...
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Protect Your Health By Protecting Your Retirement Savings - If you own a life insurance policy you no longer need or can afford, you may be able to protect your retirement savings—and your personal health—by selling that policy for immediate cash.
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New Tax Law May Benefit Seniors Interested in Selling a Life Insurance Policy - The passage late last year of a new law that includes sweeping changes to the tax code — the Tax Cuts and Jobs Act of 2017 — was welcome news to business executives, who saw their corporate tax rates cut significantly, and to many American consumers, most of whom will see more money in their paychecks as they pay lower federal income taxes this year.
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5 Tips for Managing Your Retirement in a Volatile Market - After an unusually tranquil and steady climb higher in 2017, U.S. stock markets have reminded us this year of how volatile they can be at times. Dow Jones MarketWatch reported this month that so far in 2018, the S&P 500 stock index has gained or lost more than 1% in a single trading day on 32 days. One day that many retirees in particular can recall was February 5th, when the S&P 500 dropped more than 4% — a one-day negative swing t...
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The Uberisation of Selling Your Life Insurance Policy - Americans over the age of 65 are becoming increasingly comfortable with the sharing economy and this outlook has spilled over into the finance sector – including life insurance. Learn why seniors are becoming more comfortable sharing their under-utilized assets and how adoption rate among older Americans will continue to rise in the future.
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$22 Billion is Left on the Table Annually that Could Be Used for Long-Term Care - As life settlement brokers, we know that seniors age 65 and older are leaving huge amounts of money on the table in lapsed and surrendered life insurance policies. That’s why we work so hard with financial advisors to help seniors sell their life insurance policies. A life settlement can provide much needed liquidity for some of life’s most burdensome expenses, like long-term care or medical costs.
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Should You Stay In Your Home Or Move During Retirement? - The choice about where to live in retirement is one of the most crucial decisions that a senior makes. It’s not just a major financial consideration, it’s also a highly emotional issue as a retiree’s home is often the anchor to their golden years.
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Is Your Life Insurance Policy Still Serving its Purpose? 5 Questions to Ask Each Year - A life insurance policy is an important investment for consumers. We’re diligent about choosing a policy that seems to best meet our family’s needs and then we reliably make those required premium payments on time so we can keep the policy in-force as the years go by.
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How the New TCJA Tax Law Affects Life Settlements - Two pieces of the new tax law, the Tax Cuts and Job Act of 2017 (TCJA), have a significant impact on life settlements: the increased estate tax exemption and the clarification of the income tax treatment for life settlements.
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2017 Report on Long-Term Care Includes Life Settlements Among Payment Solutions - A new report by the National Association of Insurance Commissioners (NAIC) Long-Term Care Subgroup includes life settlements among three options for paying for long-term care.
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