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Posts tagged "Life Insurance"


LISA Conference Panel Presentation, “Increasing Awareness of Life Settlements”

April 29, 2010

April 29th, 2010 • 11:00 AM – 12:00 PM • Washington D.C. • 16th Annual Spring Life Settlement Conference The life insurance secondary market is losing major market opportunity by failure to effectively communicate the option of the life settlements to seniors. Most seniors are not aware of the life settlement option while those who [...]


April 29th, 2010 • 11:00 AM – 12:00 PM • Washington D.C. • 16th Annual Spring Life Settlement Conference

The life insurance secondary market is losing major market opportunity by failure to effectively communicate the option of the life settlements to seniors. Most seniors are not aware of the life settlement option while those who are have a less than favorable opinion. Seniors need to hear a different message as identified in an ISI project at the Carlson School at the University of Minnesota. Enhanced consumer messaging will increase product supply and influence public policymakers. This presentation will indentify key drivers that every stakeholder in the life insurance secondary market needs to implement now.

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Life Settlement Senior Survey Data

April 27, 2010

Keystone, Colorado (April 27, 2010) – The Insurance Studies Institute (ISI) releases results of its third senior survey undertaken to learn the role life insurance plays in senior lives, specifically regarding the option to sell life insurance policies. Of 218 seniors surveyed nation-wide, 73% indicate that life insurance was originally purchased to provide for beneficiaries, [...]


Keystone, Colorado (April 27, 2010) – The Insurance Studies Institute (ISI) releases results of its third senior survey undertaken to learn the role life insurance plays in senior lives, specifically regarding the option to sell life insurance policies.

Of 218 seniors surveyed nation-wide, 73% indicate that life insurance was originally purchased to provide for beneficiaries, but that needs have changed over time, and the other 27% purchased policies for other reasons. Fifty-one (51%) percent were not familiar with the option to sell unwanted or unneeded policies, known as a life settlement.

Read the entire Press Release: Life Settlement Senior Survey Data

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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 [...]


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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Optimal Way to Build Awareness of Life Settlement Option Amongst Seniors

January 29, 2010

A recently completed study has found numerous communication shortfalls within the marketing strategies of the Life Insurance Secondary Market (“LISM”). The study, conducted by the Carlson School of Management at the University of Minnesota in conjunction with the Insurance Studies Institute, found that life settlements have been positioned to seniors in conflicting ways. According to [...]


A recently completed study has found numerous communication shortfalls within the marketing strategies of the Life Insurance Secondary Market (“LISM”). The study, conducted by the Carlson School of Management at the University of Minnesota in conjunction with the Insurance Studies Institute, found that life settlements have been positioned to seniors in conflicting ways. According to the study, references to life settlements portray them as everything from “a valuable resource for seniors” to “betting on death.” In addition to analyzing the diversity in positioning, the findings also detail seniors’ decision-making processes and how these processes impact the LISM.

Media Brief: Building Life Settlement Awareness Amongst Seniors

ISI supporters can obtain the full-length report.  Please contact Miki Jorgenson @ Mikij@InsuranceStudies.org for details.

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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% [...]


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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Insurance Studies Institute Welcomes New Advisory Board Members

November 23, 2009

Keystone, Colorado (November 23, 2009) – The Insurance Studies Institute (ISI) is pleased to announce the addition of two distinguished professionals to its Advisory Board: Mr. Rob Haynie, and Brian T. Casey, Esq. ISI President and CEO, Paul Siegert, announced the additions on November 23, 2009: “ISI’s work is expanding in scope and volume, and [...]


Keystone, Colorado (November 23, 2009) – The Insurance Studies Institute (ISI) is pleased to announce the addition of two distinguished professionals to its Advisory Board: Mr. Rob Haynie, and Brian T. Casey, Esq.

ISI President and CEO, Paul Siegert, announced the additions on November 23, 2009: “ISI’s work is expanding in scope and volume, and it is critical to bring knowledgeable and diverse minds to the table. These outstanding gentleman offer rich experience in various realms of life insurance and insurance law.”

Read the Press Release: ISI Welcomes New Advisory Board Members

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Should I Sell My Life Insurance Policy? A Consumers’ Guide to Life Settlements (Comprehensive Guide + condensed brochure)

October 1, 2009

Provide seniors with a thorough and non-biased explanation of life settlements including: the pros and cons; the complex process from start to finish; and the myriad of ramifications that need to be understood before engaging in a life settlement transaction. Research Brief: Should I Sell My Life Insurance Policy? A Consumers’ Guide to Life Settlements Full [...]


Provide seniors with a thorough and non-biased explanation of life settlements including: the pros and cons; the complex process from start to finish; and the myriad of ramifications that need to be understood before engaging in a life settlement transaction.

Research Brief: Should I Sell My Life Insurance Policy? A Consumers’ Guide to Life Settlements

Full Paper: Should I Sell My Life Insurance Policy? A Consumers’ Guide to Life Settlements

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Portrayal of Life Settlements in Consumer-Focused Publications

September 10, 2009

Evaluate and gauge seniors’ awareness of life settlements as a viable product for retirement planning, and analyze how those perceptions have been influenced through various media publications available to consumers over the past 4-5 years. ISI is concerned that many seniors are not aware that life settlements may be an option to provide additional funding [...]


Evaluate and gauge seniors’ awareness of life settlements as a viable product for retirement planning, and analyze how those perceptions have been influenced through various media publications available to consumers over the past 4-5 years. ISI is concerned that many seniors are not aware that life settlements may be an option to provide additional funding for retirement in amounts greater than surrendering a life insurance policy. Many sources of media appear to misunderstand the basic fundamentals of life settlements and may be influencing the public through faulty reporting.

Research Brief: Portrayal of Life Settlements in Consumer-Focused Publications

Full Paper: Portrayal of Life Settlements in Consumer-Focused Publications

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Life Insurance Offers Many Seniors a Way to Generate Income in Retirement

May 26, 2009

Oakland, Calif. (May 26, 2009) – Older Americans are increasingly feeling pressure from the same issues affecting the larger economy, such as falling home values, losses in their investment portfolios, and difficulty in obtaining loans or lines of credit. Recently released survey data from a poll of those aged 62 or older by senior financial [...]


Oakland, Calif. (May 26, 2009) – Older Americans are increasingly feeling pressure from the same issues affecting the larger economy, such as falling home values, losses in their investment portfolios, and difficulty in obtaining loans or lines of credit. Recently released survey data from a poll of those aged 62 or older by senior financial resource Golden Gateway Financial and the Insurance Studies Institute showed that a majority of these individuals are in a position to immediately benefit from life insurance policies that they currently own but no longer need.

Read the Press Release: Life Insurance Offers Many Seniors a Way to Generate Income in Retirement

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How Substantial Are the Benefits of the Life Insurance Secondary Market for Policyholders, and Insurers?

July 1, 2008

ISI provided a $100,000 grant to launch this research project, conducted by the Center for Retirement Research at Boston College. This study undertakes an empirical and theoretical analysis of the benefits that a market for life settlements offers to current and prospective policyholders. It further examines the potential effects of life settlements on the economics [...]


ISI provided a $100,000 grant to launch this research project, conducted by the Center for Retirement Research at Boston College. This study undertakes an empirical and theoretical analysis of the benefits that a market for life settlements offers to current and prospective policyholders. It further examines the potential effects of life settlements on the economics of underwriting life insurance; and, it utilizes its theoretical model to estimate the consequences of regulations that limit life settlements on policyholders’ welfare.

How Substantial Are the Benefits of the Life Insurance Secondary Market for Policyholders, and Insurers?

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