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800-694-0006

1-800-694-0006

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Category: Life Settlements

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Life Settlement Regulations by State

December 16, 2020 No Comments

If you’re interested in selling your life insurance, it’s important to understand the nuances of the laws and regulations in your state. Some states regulate only viatical settlements, for example, while other states govern both life and viatical settlements. What follows is an overview of life settlement laws and regulations by state, including key regulatory concepts such as mandatory disclosure and waiting periods. 

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Life Insurance and Life Settlement Statistics for 2025

December 16, 2020 No Comments

Read on for the most important life settlement and life insurance facts and statistics for 2021 — including how many people have life insurance, the average face value of life insurance policies, how life settlement proceeds compare to cash surrender values, and how quickly the life settlement industry is growing. 

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Money

6 Life Insurance Settlement Options You Should Know

December 16, 2020 No Comments

Life insurance settlement options are notoriously confusing, particularly when you try to compare them. Evaluating a lump-sum payment relative to an annuity, for example, can feel like an “apples-to-oranges” comparison unless you are a trained statistician. Thankfully, you don’t need a knack for number-crunching to identify which settlement option best suits your situation. All you have to do is review this in-depth guide we created to help folks like you make an informed choice about life insurance settlement. 

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Stock market prices

Life Settlement Investment Guide

November 2, 2020 No Comments

Read on for an overview of how life settlements work as investments, who invests in them, the pros and cons of investing in life settlements, the types of life settlement investments, and how to get started as a life settlement investor.

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What happens if you don’t pay medical bills?

September 16, 2020 No Comments

In 2019, a research study published in the Journal of General Internal Medicine concluded that 137.1 million Americans had experienced a “medical financial hardship” in the previous year. That’s a jaw-dropping number, and one to remember if you’re currently struggling to manage unpaid medical bills — this is not a challenge you face alone. Many others have or are experiencing the stress of high hospital debt, as well as the consequences of not dealing with that debt. 

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Life Settlement Calculator

April 3, 2020 No Comments

You’ve heard about the possibility of selling a life insurance policy you don’t need or can’t afford, and you’re thinking you could use the cash to pay medical or long-term care bills, or to invest in a more comfortable retirement. But before you take the step of contacting a life settlement company, you’d like to get some idea of how much money you can get for your policy – and whether you’re even eligible to sell it. An online life settlement calculator can provide a quick general assessment of your eligibility to sell your life insurance policy, but it cannot replace the in-depth medical underwriting process required to accurately estimate the value of that policy.

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DISCLAIMER

Harbor Life Settlements, LLC is not a licensed broker or purchaser of life insurance policies. Harbor Life Settlements, LLC is an advertiser that refers qualified policyowners to licensed purchasers of policies. Harbor Life Settlements, LLC does not advertise to residents of Alaska, Kansas, Nebraska, New Hampshire, North Dakota, Vermont, and West Virginia or refer such residents to licensees. Do not proceed if you are a resident of these specific states.

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