Opulen Capital Life Settlement: Making Your Seller a Buyer

What’s one of the best ways to help a client understand the viability and strength of the life settlements market? Simply this – help that client invest in a lucrative, fiscally fit life settlements market. By bringing the potential life settlement client into the investment side of the market, you can educate your seller by making him a consumer.

It’s not enough to show clients the payout numbers. Clients are naturally wary of selling their insurance for one reason – they’re concerned about the real possibility of outliving the life settlement payout on that policy. What’s more, the news is littered with horror stories – the nearly extinct stranger owned life insurance (STOLI) deals tainted the industry badly, and is still being used – unfairly – by naysayers to argue the negative side of the industry. And stories of ghoulish deal making abound, despite the life settlement industry’s meticulous care in making sure all seller identities are unknown to the buyers, and through industry regulation of agreements to guarantee a STOLI-type deal is rejected and made unlawful. It’s a lot of hurdles to overtake.

Given the current economic situation, even news of the larger corporations using the life settlement market for various investment and funding purposes may not be enough. With upheaval in the largest houses in the financial industry, life insurance policy holders are not eager to place their policies in any investment area, especially one where questions surround the practices and investment strategies of some of the country’s biggest companies. Fears that these companies will bring down the stability in the life settlements market may drive policy holders away.

Yet bringing your sellers into a buyer position is a great opportunity for you to educate them in how the market works from the other side. Sellers, now buyers, get to see the inner workings of the deals – the anonymity, the third-party brokers who not only shield private information, but work on behalf of the sellers to negotiate a fair life settlement agreement, the pool one’s life insurance policy is placed in that further guarantees privacy protection. By seeing the market from a buyer’s perspective, sellers can gain more confidence and play a more active role in the negotiation and sale of their life insurance policies.

Another bonus – life settlement brokers are able to expand their market and their business model. By enabling sellers to become buyers, brokers can create new revenue streams and help expand the life settlement practice and acceptance as a viable investment vehicle.

The biggest bonus is the seller/buyer can take advantage of a solid return on investment. Despite recessionary trends, the life settlements market has delivered a steady percentage that has fluctuated slightly due to more investors entering the market.

Opulen Capital is also one of the leading firms offering Life Settlement opportunities for high net worth clientele. Through exclusive relationships in the life settlement marketplace, Opulen Capital uses our expertise to structure, obtain, and sell life insurance products to maximize cash profits for our valued clients. Email us or call 877-Opulen 1 to learn how life settlements could help you afford your long-term care.