How Much Is Your Policy Worth?
How Much Is Your Policy Worth?

Depending on who's talking, seniors are getting mixed messages regarding life settlements and their value in the market.

Client Benefits?
Client Benefits?

1.  Policy coverage is more than is needed  
2.  There are no more beneficiaries of the policy  
3.  Enjoy gifting money to your children today     
4.  Pay for long term medical care expenses

What is Life Settlement?
What is Life Settlement?

A Life Settlement is the sale of an unwanted or unaffordable Life Insurance policy in exchange for a cash lump sum.

California Life Settlement

Life Settlements in California

California is a state on the west coast of the United States.  Named “The Golden State”, it is one of the densest by population, and a perennial favorite of senior citizens and retirees alike.  Its temperate climate year-round is welcomed by those who call it home. 

Opulen Capital also chooses to make this state its home.  Located in Manhattan Beach, in southern California, Opulen Capital is a life settlement company that provides services throughout the state.  Opulen Capital is a leader in the life settlement industry, with experienced legal council and case settlement specialists that will maximize the cash settlement of your life settlement, what Opulen refers to as the “Living Benefit” of the life insurance policy.  Opulen Capital seeks to maximize this Living Benefit, that which you can spend today.  

When you work with an expert like Opulen Capital, you will be working with an expert advisor who will work with their team of buyers to shop your policy to their network of financial institutions.   Many of our customers come to Opulen Capital because they were referred by life insurance and financial professionals. 

Financial professionals that Opulen Capital works with in California include:  Estate Planners, Accountants, Attorneys, CPA’s, Financial Planners, Life Insurance Brokers, Life Insurance Agents, and many others in the financial sphere of influence of our senior citizen customers. 

Opulen Capital’s clients come to us because of one or more reasons:

  • Extension of the Bush tax cuts which imposes a maximum 35% estate tax, and an exemption of $5 million in assets.
  • The housing crisis has reduced or eliminated overall need for life insurance
  • The impact of the recession on the senior’s financial portfolio has reduced or eliminated overall need for life insurance
  • Seniors citizens today are living longer, healthier lives
  • The premiums required to keep a policy in force have become a burden

Life insurance companies typically don’t let policy owners know about a life settlement when they are considering getting rid of the policy.  They actually don’t want you to enjoy the policy settlement, what we at Opulen Capital call a “Living Benefit”.  This is an amount that will always be higher than what the carrier will give you. 

Opulen Capital advises clients on life settlements or “Living Benefits” all throughout California, including San Francisco, Daly City, Sunnyvale, San Jose, Fremont, Sacramento, Woodland, Concord, Napa, Eureka, Stockton, Santa Cruz, Los Gatos, Monterey, Salinas, Woodland Creek, Fresno, San Luis Obispo, Santa Barbara, Bakersfield, Lancaster, Simi Valley, Ventura, Oxnard, Santa Maria, Los Angeles, Long Beach, Santa Ana, Irvine, Costa Mesa, San Bernardino, Palm Springs, Indio, Oceanside, San Diego, Pasadena, Glendale, Escondido, Carlsbad, and Sonoma.