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A Critique of the request by the ACLI to ban securitizations of life insurance settlements.

February 3, 2010


Keystone, Colorado (February 3, 2010) – The American Council of Life Insurers (ACLI) released a statement asking policymakers to ban the securitization of life insurance policies sold in the secondary market. Policymakers need to realize the true intention of ACLI and the life insurance industry appears to be destruction of a vibrant secondary market for life insurance, thereby denying seniors the option and right to realize full market value for their unwanted, unneeded and unaffordable life insurance policies. Such action by the life insurance industry is a slap to all life insurance policyholders, particularly seniors. Public policymakers should insist that consumers purchasing life insurance deserve the option a secondary market may provide.

Read the Press Release: ISI Critiques ACLI Securitization Ban Proposal

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“Why Life Settlements?” LifeHealth Magazine, December 2009

December 1, 2009


Managing and insuring risk is no longer an option … it is a necessity for financial survival, and this includes protecting estates and retirement funding. Life insurance, specifically, is an increasingly important risk?management tool for seniors to utilize. Results of a recent survey showed that 60?70% of seniors do own life insurance, but only 50% have some knowledge of life settlements. Life insurance sales to seniors age 55 and older are up as reported by NAIC and ACLI, and numerous reports indicate that seniors plan to delay retirement for 2 – 5 years. Baby boomers and seniors are taking action, I believe, in response to dwindling pension and retirement assets. Read more below…

Life Insurance Settlement Series Volume III: Why Life Settlements?

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“Institutionalization of the Secondary Market” LISA’s Life Settlement Review, June 2009

June 1, 2009


The Insurance Studies Institute (“ISI”) hosted its first Insurance Concepts Forum in April 2009, and participants included twenty seven leaders from academia, government, investment sectors, and the life settlement industry. This dynamic group spent two days discussing numerous topics, with a focus on the “Institutionalization of the Life Insurance Secondary Market.” Spirited dialogue sparked several initiatives, including a draft proposal for an industry standards board, considerations toward an industry?wide marketing campaign, research of catastrophic risk management, and development of future forums with targeted themes. Please see full article below.

Life Insurance Settlement Series Volume II:  Institutionalization of the Secondary Market

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“The Stars are in Alignment” LISA’s Life Settlement Review, March 2009

March 1, 2009