ent of Corporations. Do not do business with a firm or broker that is not licensed. California registration is preferred, as the state has some of the toughest oversight rules in the country. Christopher Murphy, a Registered Life Agent and Life Settlement Specialist, has a free, detailed brochure on investing in life settlements. He can be contacted at 800-588-8000, or from outside the U.S. at 310-578-6343.

Life settlements differ from the out-of-favor viatical settlements, where the insured has to be ill with a terminal disease. That is

In a life settlement transaction, a life insurance policy holder sells his or her policy to an investor. The policy holder gets immediate cash, sometimes to pay for medical treatment, and the investor gets an asset that could return 15% to 18% a year when it matures upon the death of the insured. A whole life or universal life policy almost always can be sold for much more than the "cash in" surrender value the insurance company would pay.

This market exists because insurance companies are greedy, and bias the terms of the policy against the insured. The wide gap between what an insurance company will pay an insured to cancel a policy, and what that policy is really worth, creates the opportunity to get much more cash to the insured owner of the policy, while at the same time providing the investor a double-digit projected rate of return

That is why Warren Buffet's Berkshire Hathaway has purchased hundreds of millions of dollars of life settlements. It is also why individual investors should be interested, as these contracts also qualify for 401K and IRA plans, or can be held in a taxable portfolio. Qualified investors with at least $20,000 to invest can participate now if they live or have an address in California, and residents of many other states with larger amounts to invest can be accommodated on a case-by-case basis.

It is important to note that these contracts do not generate current income, and are not suitable for those needing current income to cover living expenses. The investor collects the face value of the policy when the insured passes, which generates a large capital gain that currently is taxed at favorable rates. In order to take advantage of the actuarial tables, investors usually split their funds among many policies.

Life settlement contracts are a very diversifying asset, insulated from the ups and downs of the stock, bond and real estate markets, and are usually considered a high-yield, conservative investment. Be sure to participate in programs that are registered with a state agency. California Senate bill 1837 passed in 2000 allowed life settlement investments, and they are regulated by the Securities Division of the Department of Corporations. Do not do business with a firm or broker that is not licensed. California registration is preferred, as the state has some of the toughest oversight rules in the country. Christopher Murphy, a Registered Life Agent and Life Settlement Specialist, has a free, detailed brochure on investing in life settlements. He can be contacted at 800-588-8000, or from outside the U.S. at 310-578-6343.

Life settlements differ from the out-of-favor viatical settlements, where the insured has to be ill with a terminal disease. That is n

insured. The wide gap between what an insurance company will pay an insured to cancel a policy, and what that policy is really worth, creates the opportunity to get much more cash to the insured owner of the policy, while at the same time providing the investor a double-digit projected rate of return

That is why Warren Buffet's Berkshire Hathaway has purchased hundreds of millions of dollars of life settlements. It is also why individual investors should be interested, as these contracts also qualify for 401K and IRA plans, or can be held in a taxable portfolio. Qualified investors with at least $20,000 to invest can participate now if they live or have an address in California, and residents of many other states with larger amounts to invest can be accommodated on a case-by-case basis.

It is important to note that these contracts do not generate current income, and are not suitable for those needing current income to cover living expenses. The investor collects the face value of the policy when the insured passes, which generates a large capital gain that currently is taxed at favorable rates. In order to take advantage of the actuarial tables, investors usually split their funds among many policies.

Life settlement contracts are a very diversifying asset, insulated from the ups and downs of the stock, bond and real estate markets, and are usually considered a high-yield, conservative investment. Be sure to participate in programs that are registered with a state agency. California Senate bill 1837 passed in 2000 allowed life settlement investments, and they are regulated by the Securities Division of the Department of Corporations. Do not do business with a firm or broker that is not licensed. California registration is preferred, as the state has some of the toughest oversight rules in the country. Christopher Murphy, a Registered Life Agent and Life Settlement Specialist, has a free, detailed brochure on investing in life settlements. He can be contacted at 800-588-8000, or from outside the U.S. at 310-578-6343.

Life settlements differ from the out-of-favor viatical settlements, where the insured has to be ill with a terminal disease. That is

a taxable portfolio. Qualified investors with at least $20,000 to invest can participate now if they live or have an address in California, and residents of many other states with larger amounts to invest can be accommodated on a case-by-case basis.

It is important to note that these contracts do not generate current income, and are not suitable for those needing current income to cover living expenses. The investor collects the face value of the policy when the insured passes, which generates a large capital gain that currently is taxed at favorable rates. In order to take advantage of the actuarial tables, investors usually split their funds among many policies.

Life settlement contracts are a very diversifying asset, insulated from the ups and downs of the stock, bond and real estate markets, and are usually considered a high-yield, conservative investment. Be sure to participate in programs that are registered with a state agency. California Senate bill 1837 passed in 2000 allowed life settlement investments, and they are regulated by the Securities Division of the Department of Corporations. Do not do business with a firm or broker that is not licensed. California registration is preferred, as the state has some of the toughest oversight rules in the country. Christopher Murphy, a Registered Life Agent and Life Settlement Specialist, has a free, detailed brochure on investing in life settlements. He can be contacted at 800-588-8000, or from outside the U.S. at 310-578-6343.

Life settlements differ from the out-of-favor viatical settlements, where the insured has to be ill with a terminal disease. That is

favorable rates. In order to take advantage of the actuarial tables, investors usually split their funds among many policies.

Life settlement contracts are a very diversifying asset, insulated from the ups and downs of the stock, bond and real estate markets, and are usually considered a high-yield, conservative investment. Be sure to participate in programs that are registered with a state agency. California Senate bill 1837 passed in 2000 allowed life settlement investments, and they are regulated by the Securities Division of the Department of Corporations. Do not do business with a firm or broker that is not licensed. California registration is preferred, as the state has some of the toughest oversight rules in the country. Christopher Murphy, a Registered Life Agent and Life Settlement Specialist, has a free, detailed brochure on investing in life settlements. He can be contacted at 800-588-8000, or from outside the U.S. at 310-578-6343.

Life settlements differ from the out-of-favor viatical settlements, where the insured has to be ill with a terminal disease. That is

ent of Corporations. Do not do business with a firm or broker that is not licensed. California registration is preferred, as the state has some of the toughest oversight rules in the country. Christopher Murphy, a Registered Life Agent and Life Settlement Specialist, has a free, detailed brochure on investing in life settlements. He can be contacted at 800-588-8000, or from outside the U.S. at 310-578-6343.

Life settlements differ from the out-of-favor viatical settlements, where the insured has to be ill with a terminal disease. That is not the case with life settlements. As long as the insured is at least 75 years old, they can sell their policy based on its actuarial value. Life insurance policy holders nearing or over 75 years of age can get a free analysis of how much immediate cash their policy is worth – usually, substantially more than they expected. Mr. Murphy can be reached by email at Cmurphy (a) pwcapital.net [replace the (a) with the @ sign] if you want to get a value for your current policies.

There is another, more aggressive strategy available to healthy investors nearing or over 70 year of age. You can buy a large universal life or whole life policy, pay premiums for two years, and then sell it in a life settlement for a substantial return on the premiums you paid -- often a 100% return or more. This is a unique program, with more information available from Mr. Murphy.