Dear oc@xxxxxxxxxxxxxxx ,
During this time of declining financial security it becomes increasingly harder for you to make quality financial- planning recommendations to your clients. Most Financial Advisor?s are unaware of a new concept in the life insurance industry that will increase your confidence that you?ve explored ALL THE OPTIONS to meet your clients needs. Introducing Life Settlements!
Life Settlements empower your customers to:
· Purchase a life insurance product that better suits their current needs
· Fund a lifelong dream
· Take a long awaited vacation
· Purchase a luxury item that was never affordable
· See money enjoyed by relatives
· Finance better quality or alternative healthcare
· Finance long-term care
· Fund an alternative investment
· Find relief from increasing premiums due to under-performing Universal Life policies
· Exchange high annual premiums for monthly income
· Make a charitable gift
· Remodel or build your dream home
Mosley & Associates, Ltd. (sales@xxxxxxxxxxxxxxxxxxxx) is waiting to assist you!
What is a Life
Settlement?
A life settlement is the sale of a life insurance policy that gives a policy owner a cash settlement in excess of the current cash surrender value. A life settlement is an innovative wealth and estate-planning tool that empowers our clients to sell unneeded policies and redirect dollars to a new financial or insurance product that better suits their current needs.
Who?s Eligible for
Life Settlements?
Life settlements can be used in situations when our clients? personal or financial circumstances have changed. When the primary or original need for life insurance no longer exists, a life settlement transaction can be a perfect solution. Here are some examples of changing circumstances that could trigger the opportunity for a life settlement transaction:
· Insurance need has ended
· Defunct Key-man policies
· Change in estate size or tax liability
· Change in health condition
· Divorce/Bankruptcy/Retirement
· The need to exchange high annual premiums for monthly income
· Premiums no longer affordable
· Dissatisfied with under-performing Universal Life policies
· Selling a business
· Surrendering a policy or one in danger of lapsing
· Change in tax laws
· Need funds for alternative investments
· A family trust has eliminated the need for life coverage
RECENT CASE HISTORIES
CASE HISTORY #1
Client: 82-year-old
woman with some health complications.
Circumstance: $10,000,000.00 policy. Cash surrender value $600,000.00.
Life Settlement Solution: Client received $1,890,000.00. Used proceeds to purchase a life policy that better suited her current needs.
CASE HISTORY #2
Client: 79-year-old male & 77-year-old female
Circumstance: $2,500,000.00 second to die policy with a $184,000.00 cash surrender
value. The joint
policy was no longer required.
Life Settlement Solution: Received $525,000.00. Proceeds used to purchase a $1,500,000.00 permanent policy for the female.
CASE HISTORY #3
Client: 62-year-old entrepreneur
Circumstance: $3,000,000.00 term-policy as collateral for a business loan. The loan is now paid in full. The policy is no longer necessary. No cash surrender value, no return of premium.
Life Settlement Solution: Received $450,000.00 in a single immediate sum.
The following example shows a typical policy with a face value of $1 million, $55,000 of premiums paid and a cash surrender value of $70,000. For example purposes we will use a settlement amount of $200,000 paid to the policy owner. The tax position would be as follows:
TAX ILLUSTRATION:
$130,000 Taxed as Capital Gain Þ $200,000 Þ Price Offered
$15,000 Taxed as Ordinary Income Þ $70,000 Þ Cash Surrender Value
$55,000 Minus Premiums Paid
*Tax Obligations will
vary with the sale of an insurance policy.
Mosley & Associates, Ltd. does not make any representations as to the
tax treatment of a sale of a life insurance policy.
Mosley & Associates, Ltd. Strongly encourages you to consult with
your tax advisor, attorney or financial planner as it relates to your specific
situation.
Who is Mosley & Associates, Ltd.?
Mosley & Associates, Ltd. is a group of Insurance Brokers, Financial Planners and life settlement advisors that combine their expertise to find the best possible financial solutions for your individual or business needs. Our knowledgeable staff is dedicated to exploring all avenues and proposing options that give you peace of mind. For example, Mosley & Associates, Ltd. offers unparalleled expertise in a new financial option: Life Settlement!
How do I begin?
I am looking forward to working with you!
Sincerely,
Kelly Carney
Marketing Director of Web Services
sales@xxxxxxxxxxxxxxxxxxxx
http://www.horizon-stop.com/lifequotes_online/index.htm
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