{"id":15433,"date":"2017-05-11T14:48:42","date_gmt":"2017-05-11T18:48:42","guid":{"rendered":"https:\/\/www.focusonsuccess.com\/insights\/?page_id=15433"},"modified":"2018-05-21T12:25:19","modified_gmt":"2018-05-21T16:25:19","slug":"life-settlements","status":"publish","type":"page","link":"https:\/\/www.focusonsuccess.com\/insights\/life-settlements\/","title":{"rendered":"Life Settlements"},"content":{"rendered":"<p>[vc_row bg_type=&#8221;image&#8221; parallax_style=&#8221;vcpb-default&#8221; bg_image_new=&#8221;id^15368|url^https:\/\/www.focusonsuccess.com\/insights\/wp-content\/uploads\/2017\/04\/Life_Settlements_wide.jpg|caption^null|alt^null|title^Life_Settlements_wide|description^null&#8221; bg_override=&#8221;ex-full&#8221; min_height=&#8221;325&#8243;][vc_column][vc_empty_space height=&#8221;75px&#8221;]<div id=\"ultimate-heading-504069f76b07c44bc\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-504069f76b07c44bc uvc-1551 \" data-hspacer=\"no_spacer\"  data-halign=\"left\" style=\"text-align:left\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-504069f76b07c44bc h2'  data-responsive-json-new='{\"font-size\":\"desktop:56px;tablet:42px;tablet_portrait:42px;mobile_landscape:28px;mobile:28px;\",\"line-height\":\"\"}' ><h2 style=\"--font-weight:theme;color:#ffffff;margin-bottom:50px;\">Life Settlements<\/h2><\/div><\/div>[vc_empty_space height=&#8221;15px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"ult-spacer spacer-69f76b07c44e6\" data-id=\"69f76b07c44e6\" data-height=\"40\" data-height-mobile=\"40\" data-height-tab=\"40\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[vc_column_text el_class=&#8221;life-blurb&#8221;]<strong>Situations may arise when you no longer need or want your life insurance policy, generally due to:<\/strong><\/p>\n<ul>\n<li>Changes in the policy structure (e.g., carrier-imposed premium increases, reduced duration of coverage, and other policy performance problems) and\/or;<\/li>\n<li>Changes in your planning needs (e.g., retirement income needs, changes in estate taxes, business changes, etc.)<\/li>\n<\/ul>\n<p>When these situations occur, we work with you and your advisors by first analyzing the existing policy and examining the potential for a life settlement. Based on our findings and your objectives, we provide detailed analyses and recommendations of various options that may include:<\/p>\n<ul>\n<li>Allow the policy to lapse<\/li>\n<li>Surrender the policy for cash value<\/li>\n<li>Restructure the policy<\/li>\n<li>Exchange for a new life policy or an annuity<\/li>\n<li>Pursue a life settlement when a higher net value seems likely<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"ult-spacer spacer-69f76b07c44f3\" data-id=\"69f76b07c44f3\" data-height=\"70\" data-height-mobile=\"70\" data-height-tab=\"70\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][vc_cta h2=&#8221;&#8221; h4=&#8221;CASE STUDIES&#8221; txt_align=&#8221;center&#8221; style=&#8221;outline&#8221; add_button=&#8221;bottom&#8221; btn_title=&#8221;READ MORE&#8221; btn_align=&#8221;center&#8221; add_icon=&#8221;top&#8221; i_icon_fontawesome=&#8221;fa fa-briefcase&#8221; i_color=&#8221;custom&#8221; i_background_style=&#8221;rounded&#8221; i_background_color=&#8221;white&#8221; i_size=&#8221;lg&#8221; btn_button_block=&#8221;true&#8221; btn_custom_onclick=&#8221;true&#8221; i_on_border=&#8221;true&#8221; i_custom_color=&#8221;#176496&#8243; css=&#8221;.vc_custom_1494948036945{margin-right: 10px !important;margin-left: 10px !important;background-color: #ffffff !important;}&#8221; btn_link=&#8221;url:%2Fwp-core%2Fwp-content%2Fuploads%2F2017%2F05%2FVALM_LIFE_SETTLEMENT_DECK.pdf||target:%20_blank|&#8221;][\/vc_cta][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_cta h2=&#8221;&#8221; h4=&#8221;REASONS FOR SETTLING POLICIES&#8221; txt_align=&#8221;center&#8221; style=&#8221;outline&#8221; add_button=&#8221;bottom&#8221; btn_title=&#8221;READ MORE&#8221; btn_align=&#8221;center&#8221; add_icon=&#8221;top&#8221; i_icon_fontawesome=&#8221;fa fa-balance-scale&#8221; i_color=&#8221;custom&#8221; i_background_style=&#8221;rounded&#8221; i_background_color=&#8221;white&#8221; i_size=&#8221;lg&#8221; btn_button_block=&#8221;true&#8221; btn_custom_onclick=&#8221;true&#8221; i_on_border=&#8221;true&#8221; btn_link=&#8221;url:%2Fwp-core%2Fwp-content%2Fuploads%2F2017%2F05%2FWhy-Settle.pdf||target:%20_blank|&#8221; i_custom_color=&#8221;#176496&#8243; css=&#8221;.vc_custom_1494528658024{margin-right: 10px !important;margin-left: 10px !important;background-color: #ffffff !important;}&#8221;][\/vc_cta][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_cta h2=&#8221;&#8221; h4=&#8221;ARE YOU A LIFE SETTLEMENT CANDIDATE?&#8221; txt_align=&#8221;center&#8221; style=&#8221;outline&#8221; add_button=&#8221;bottom&#8221; btn_title=&#8221;READ MORE&#8221; btn_align=&#8221;center&#8221; add_icon=&#8221;top&#8221; i_icon_fontawesome=&#8221;fa fa-weixin&#8221; i_color=&#8221;custom&#8221; i_background_style=&#8221;rounded&#8221; i_background_color=&#8221;white&#8221; i_size=&#8221;lg&#8221; btn_button_block=&#8221;true&#8221; btn_custom_onclick=&#8221;true&#8221; i_on_border=&#8221;true&#8221; btn_link=&#8221;url:https%3A%2F%2Fwww.focusonsuccess.com%2Finsights%2Fwp-content%2Fuploads%2F2018%2F05%2FAre-You-a-Candidate.pdf||target:%20_blank|&#8221; i_custom_color=&#8221;#176496&#8243; css=&#8221;.vc_custom_1526912700089{margin-right: 10px !important;margin-left: 10px !important;background-color: #ffffff !important;}&#8221;][\/vc_cta][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;]<div class=\" ubtn-ctn-center \"><a class=\"ubtn-link ult-adjust-bottom-margin ubtn-center ubtn-normal \" href=\"\/wp-core\/wp-content\/uploads\/2017\/05\/Disclosure.pdf\" target=\"_blank\" rel=\"noopener\" ><button type=\"button\" id=\"ubtn-8844\"  class=\"ubtn ult-adjust-bottom-margin ult-responsive ubtn-normal ubtn-fade-bg  ulta-grow  ubtn-center   tooltip-69f76b07c4508\"  data-hover=\"\" data-border-color=\"\" data-bg=\"#005c95\" data-hover-bg=\"\" data-border-hover=\"\" data-shadow-hover=\"\" data-shadow-click=\"none\" data-shadow=\"\" data-shd-shadow=\"\"  data-ultimate-target='#ubtn-8844'  data-responsive-json-new='{\"font-size\":\"desktop:16px;\",\"line-height\":\"\"}'  style=\"font-weight:normal;border:none;background: #005c95;color: #ffffff;\"><span class=\"ubtn-hover\" style=\"background-color:\"><\/span><span class=\"ubtn-data ubtn-text \" >READ OUR LIFE SETTLEMENTS DISCLOSURE<\/span><\/button><\/a><\/div>[\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row bg_type=&#8221;image&#8221; parallax_style=&#8221;vcpb-default&#8221; bg_image_new=&#8221;id^15368|url^https:\/\/www.focusonsuccess.com\/insights\/wp-content\/uploads\/2017\/04\/Life_Settlements_wide.jpg|caption^null|alt^null|title^Life_Settlements_wide|description^null&#8221; bg_override=&#8221;ex-full&#8221; min_height=&#8221;325&#8243;][vc_column][vc_empty_space height=&#8221;75px&#8221;][vc_empty_space height=&#8221;15px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=&#8221;life-blurb&#8221;]Situations may arise when you no longer need or want your life insurance policy, generally due to: Changes in the policy structure (e.g., carrier-imposed premium increases, reduced duration of coverage, and other policy performance problems) and\/or; Changes in your planning needs (e.g., retirement income needs, changes in&hellip;<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15433","page","type-page","status-publish","hentry","description-off"],"_links":{"self":[{"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/pages\/15433","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/comments?post=15433"}],"version-history":[{"count":2,"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/pages\/15433\/revisions"}],"predecessor-version":[{"id":15901,"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/pages\/15433\/revisions\/15901"}],"wp:attachment":[{"href":"https:\/\/www.focusonsuccess.com\/insights\/wp-json\/wp\/v2\/media?parent=15433"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}