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Would You Rather $187,000 or $0?

Posted: April 06, 2021 by John Welcom

A small business was filing for bankruptcy and its assets were being reviewed. The company’s financial advisor helped the partners identify the value, which they did not know existed, contained in its key man life insurance coverage.


Would You Rather $64,800 or $10,000?

Posted: March 03, 2021 by John Welcom

Ronald purchased a $300,000 Universal Life policy back in 1999 to provide his wife with financial security. Unfortunately, after 20+ years, Ronald could no longer afford the premium payments as his healthcare costs were mounting.


Consumer Frustration: No Carrier Disclosure of Alternatives to Lapsing or Surrendering a Policy

Posted: February 16, 2021 by John Welcom

Most financial advisors have experienced first-hand clients having negative perceptions of the life insurance industry. In fact, one survey from E&Y found that American consumers had less tr...


Would You Rather $100,000 or $30,000?

Posted: February 10, 2021 by John Welcom

Jerry purchased a $500,000 Universal Life policy seven years ago to provide his wife with “peace of mind.” Unfortunately, he could no longer afford the premium payments and contemplated letting the policy go. Jerry’s wife saw a TV commercial fr...


Embracing the New Era of “DIY” Retirement Funding

Posted: November 02, 2020 by John Welcom

In previous generations, it was common for a hard working citizen to secure a job at a stable company, be employed by the same organization for decades, and then retire one day with the proverbial gold watch and a nice pension to supplement monthly S...


The Joy of Giving: Transferring Assets to Heirs

Posted: October 15, 2020 by John Welcom

A traditional way to leave a legacy is to establish an estate plan. It ensures that any remaining money upon passing away is left to predetermined, designated people (or causes), who in turn can enrich their own lives and potentially, the lives of ot...


Life Settlement Transactions Increased by 11% in 2019 as Market Awareness Continues to Grow

Posted: October 01, 2020 by John Welcom

The U.S. life settlement market — in which seniors are able to sell existing life insurance policies that they no longer need or can afford to institutional investors as an alternative to ...


“Cash Surrender Value” vs. “Fair Market Value”
When in Doubt, Get it Appraised

Posted: August 14, 2020 by John Welcom

Consumers who have purchased a “permanent” life insurance policy — such as whole life or universal life — are familiar with a distinctive number on their regular account statements f...


Paying for Health Care Costs with Life Insurance

Posted: July 29, 2020 by John Welcom

A study released by the American Cancer Society in May 2019 found that the high cost of health care in the U.S. is causing financial hardship for more than half of all American adults. Based on data collected from the National Health Interview Survey...


Never Surrender! Convertible Term Life Insurance and the Secondary Market

Posted: July 15, 2020 by John Welcom

Many people subscribe to the adage of “buy term, invest the difference” when deciding what type of life insurance to buy for their family’s financial protection. It may be a smart str...


The Danger of Trying to “Time the Market” for Life Settlements

Posted: July 01, 2020 by John Welcom

Most investors in the stock market understand the danger of “market timing” — trying to choose the right day to buy a stock when the price is low and sell it when the price is high.


Carrier Resistance to Life Settlements:
Clients Need to Know They Can Sell Their Policies

Posted: June 15, 2020 by John Welcom

Consumers who sell their life insurance policies in the life settlement market receive as much as seven times more money than they would have received by surrendering their policies back to ...


Rebuttals to the “Direct Buyer” Model for Life Settlements

Posted: June 01, 2020 by John Welcom

Most professional advisors who explore the potential sale of an unwanted life insurance policy on behalf of their clients will rely on the assistance of a licensed life settlement broker. Li...


The Power of a Life Settlement Auction

Posted: April 15, 2020 by John Welcom

Professional advisors with clients who no longer need or wish to maintain a life insurance policy have options when exploring the secondary market.  Many advisors prudently rely on a licensed life settlement broker to assist them in the sale of the ...


Understanding the Fair Market Value of a Life Insurance Policy

Posted: April 01, 2020 by John Welcom

When a professional advisor identifies a life insurance policy that a client no longer needs or wishes to maintain, he should ask, as standard protocol, whether that policy may have value in...


How to Get the Highest Life Settlement Offer

Posted: March 16, 2020 by John Welcom

When you decide to sell a valuable personal asset, you usually want to obtain the highest purchase price for that property. It is sound business sense. However, how do you truly know when you have reached the point of accepting and securing the mos...


What is the Most Suitable Exit Strategy for Life Insurance?

Posted: March 02, 2020 by John Welcom

All eyes in the life insurance agency and the financial advisory world have been on New York, where in the summer of 2019, the New York State Supreme Court paved the way for implementation o...


Suitability of Life Settlements

Posted: February 14, 2020 by John Welcom

Traditionally, estate planning advisors counsel their high net worth clients to obtain life insurance policies with large death benefits. The strategy is simple: create a vehicle for heirs to receive tax-free income at the time of an insured’s pass...


Direct Life Settlement Buyers vs. Welcome Funds – Advisor Beware!

Posted: February 03, 2020 by John Welcom

Welcome Funds has the privilege of working with numerous financial advisors and wealth managers – and have done so for two decades – some who exclusively focus on servicing high net wort...


Would You Rather $4,743,000 or $275,485?

Posted: January 15, 2020 by John Welcom

Mr. Williams purchased $10 Million in life insurance coverage in 2001 to provide his family with financial security. Over time, his financial priorities changed: his wife passed away, his children became financially independent, financial burdens a...