*DISCLAIMER* This page is for Life Insurance agents only and is not intend the general public or consumer use.

Life Settlement is the fastest growing sector of the life insurance industry.  By contracting with Rosenthal Financial Services you will gain exclusive access to the premier tools and resources in the life settlements industry.  R.F.S. has partnered with GWG Advantage to offer you and your senior clients the utmost in expedient service.  After contracting you will receive a comprehensive welcome package with all the materials you'll need to educate yourself on Life Settlement and subsequently integrate Life Settlement into your business.

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What is a Life Settlement?

Life settlement is the process of selling an unneeded or unwanted life insurance policy for fair market value in the secondary market. Traditionally, policyholders could choose to continue paying premiums on unwanted life insurance, allow the policy to lapse and lose everything invested, or surrender the policy for a fraction of its value. Life settlement, through GWG Advantage, offers people another option: an immediate cash payout that can dramatically enhance their lives and add to their portfolios.

The Secondary Market

The secondary market is the financial marketplace where life insurance policies are purchased and sold by accredited investors and qualified institutions. The secondary market for life insurance policies has experienced exponential growth in the past few years, due to high consumer demand for options when they no longer wish to continue their policies. GWG Advantage, in conjunction with insurance professionals like you, provides policyholders with life settlement as a new way to realize the fair market value of their insurance policies.

Why would a client wish to sell their life policy?

                •         To pay medical bills

                •         Policy is too expensive to maintain

                •         Fund long term care

                •         Policy is no longer needed

                •         Settle debts and bills

                •         Retirement planning

                •         Change in health status

                •         Desire to maintain or enhance quality of life

                •         Use life settlement proceeds to           obtain more appropriate financial vehicles

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Why allow your clients cancel, lapse or cash in your Life Insurance Policy when they can sell it for more money!

Eight reasons to call your client today

Profile 1: Policy in danger of lapsing

Clients in this category have life insurance policies that are in danger of lapsing. Early identification of this type of client will increase the probability of a life settlement transaction.

Profile 2: High premiums

Many policyholders are paying exorbitant premiums today or will shortly begin to do so for policies that no longer suit their needs or situation. 

Profile 3: Key-person insurance

This client is likely to be a former business owner or executive. Large face value policies can be a personal asset. And once the individual is no longer with a company, they become a highly liquid asset.

Profile 4: Nearing retirement

As your clients near retirement, they need to know they have enough saved to maintain their desired lifestyle. 

Profile 5: Need for portfolio diversification

Proceeds from a life settlement can help leverage a client's wealth and diversify their financial portfolio. It's also a perfect opportunity to facilitate the purchase of additional revenue-generation products.

Profile 6: Donor to philanthropic and charitable causes

High net worth clients often choose to make substantial donations to charitable causes near end of life. Traditionally, in a life insurance situation, a charity would be named the beneficiary of a policy. 

Profile 7: Change in health

Unforeseen illness or incapacity can severely impact a family's financial status. Life Settlement proceeds can be used to life the burden of increasing health care costs while simultaneously relieving the policyholder of paying premiums.

Profile 8: Change in marital status

Changes in marital status due to death, marriage, or divorce often make life insurance policies unnecessary. With life settlement, newly-single individuals can relinquish an unwanted policy and receive a cash payout instead.

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Integrating Life Settlement Into Your Business By John Koeppen, Director of Marketing GWG Advantage

The most notable concern I've encountered from financial professionals is how to integrate life settlements into an existing business

With any new or non-traditional product, there has to be a notable shift in time and resource allocation in order to ramp up and get to market. This naturally takes away from existing business. Adding more to your plate can make anyone have second thoughts. GWG Advantage provides you with the tools you need to start submitting business within 60 days of training. Let's take a deeper look at how to be successful integrating life settlement into your business and getting to market quickly and easily.Your book of business is where you should turn to first. Start the process by segmenting your book into three tiers. By segmenting your book, it will be easier to identify those clients who are potential life settlement candidates. An added bonus: this works well for other products in your platform too.  Read More...

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Podcast: Episode 1 "Life Settlements" (Click Here )

In this episode we sat down with GWG Advantage CEO, Jon Sabes to discuss the nuances of Life Settlement.  Jon, with over twenty years of experience as a financial professional, offers poignant insight into the emerging market of Life Settlements.  (16.12 min)  To activate the control, click on the right-facing arrow; then again on the arrow to listen to the podcast.

Discover Life Settlements (Click Here)

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*DISCLAIMER* This page is for Life Insurance agents only and is not intend the general public or consumer use.