Life Settlement for Advisors


How Do Your Clients Really Spend Their Disposable Income?

How Do Seniors Spend Their Disposable Income?

Posted: May 31, 2023 by John Welcom

There are numerous suggested ratios for how much of a retirement budget should be spent on various categories, but how does this spending breakdown in practice? A deeper dive into the BLS survey findings, published by MarketWatch, offers some important lessons:

Life Settlement Case Study - Would You Rather $145,200 Instead of $0!

How to Sell Your Life Insurance Policy for $145,200 Instead of $0!

Posted: July 01, 2022 by John Welcom

John purchased a 10-Year Level Term Policy at age 59 to provide his wife with financial security. Ten years later, John and his wife were faced with the decision to convert the policy into permanent coverage at a cost of $35,825.00 per year or pay ...

Five Developments in the Life Settlement Industry

Five Developments in the Life Settlement Industry

Posted: June 15, 2022 by John Welcom

The financial services industry and the country overall, even with variants of the virus becoming more prevalent, are more optimistic than ever that a return to “normalcy” is obtainable in the short-term. To that end, the Welcome Funds team has identified five developments for financial advisors to monitor as we continue through ...

Welcome Funds | Life Settlement Broker Licensing

Life Settlement Broker Licensing: Among Most Demanding in Financial Services Industry

Posted: October 29, 2021 by John Welcom

A financial advisor working with a retired client will routinely review his assets and liabilities to help him achieve his personal goals.  Such goals include generating cash flow for retirement funding, supporting charitable giving interests, or le...

Sell Life Insurance Policy

If You Help Your Client Buy Life Insurance, You Should Help Him Sell It Too

Posted: August 14, 2020 by John Welcom

Life insurance agents, financial advisors, estate planners, and other fiduciaries fulfill a unique role as trusted professionals to individuals who seek financial protection for their families and/or their estates.  This role, in part, provides a pr...

Life settlement market

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

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 the insurance companies.  Seven times!  However, an estima...

Life settlement brokers represent the policy owner in the sale of their life insurance policy

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. Life settlement brokers represent the policy owner in the tran...

Life Settlement Auction

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 policy and with all aspects of the transaction.  However, there is still a large num...

life settlement market

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 the secondary market. If so, the client may be able to sell...

sell your life insurance policy

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 of Insurance Regulation 187.  This rule imposes a new standard for agents and brokers when issuing a recommendation to a client regarding an annu...

what is the cash value of a life insurance policy

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 passing so sufficient funds are available to pay large estate tax bills when assets are i...