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The doomsday reports that litter the Internet disparaging the life insurance settlement and viatical settlement industry are often misguided and have little basis in the reality established amongst the legitimate participants in the industry. The “seller beware” caveat that most retirees are bombarded with is oft maligned. Yes, there are risks to the life settlements market, as with any investment option. No, the risks do not supersede the potential benefit of a life settlement transaction, nor are they solely borne by the seller.
So far, the main risks to sellers include a lower-than-expected sales offer and not dealing with a reputable life settlements broker. The seller can always decline settlement offers, and brokers can be vetted against NAIC insurance regulations to ensure compliance with licensure.