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 I would like to take this opportunity to explain exactly what it is we do. Through Reverse-Life Insurance™, we are able to get seniors, on average, 4 times the "cash surrender value" for their Life Insurance policy.
For example: Let's say Mrs. Smith is 72, and owns a Whole Life policy with a death benefit of $500,000, and a cash surrender value of $25,000. Through the Reverse-Life Insurance™ program, we are able to get Mrs. Smith $100,000.
We guarantee to be able to get more money for our clients than any other Life Settlement company. We can also work with almost any kind of policy including Term and Convertible Term, which carries no cash value.
Whenever I talk to people about Reverse-Life Insurance™, I find I get the same questions. So I thought it would be good to address those questions here. If you have a question that is not addressed here, please feel free to email me at bobbyjames@christianstanley.com
For the sake of discussion, we will assume the following requirements for a senior who qualifies for Reverse-Life Insurance™: 65+ years old, with a policy of $100,000+, that is at least 2 years old.
Q: Is this like Reverse Mortgage?
A: Since people are familiar with the term Reverse Mortgage, we refer to it, but our program is very different. The biggest difference is that Reverse Mortgages are loans based on home equity that have to be payed back with interest when you move, sell the house or die. Reverse-Life Insurance™ is NOT a loan. Seniors get a "BIG PILE OF CASH" to spend as they need and there is no one to "pay back", it is their money.
Q: What happens with the beneficiaries?
A: We actually work WITH the family for the 'Living Benefit' of the senior as well as the rest of the family. If other family members, i.e. children, are able to make the premiums and it makes more sense to keep the policy in force, than we do not recommend settling the policy. Otherwise, we are here to help unlock the monetary value of the policy that might otherwise be lost by letting the payments lapse and losing the entire death benefit amount forever.
Q: Then the Investor becomes the Beneficiary?
A: Yes, The investor pays for the right to the death benefit and pays the premiums all the way through the life of the policy.
Q: So the senior is actually selling the policy away completely?
A: Yes, since a Life Insurance policy is considered 'Real Property' by law, seniors have the right to do what they want with that policy, including the option to sell.
Q: Does that mean they do not pay the premiums?
A: Yes, Once a senior decides to sell the policy, the investor who purchases the policy then assumes the premium payments through to the death benefit.
Q: Can seniors buy another policy with that money?
A: Yes, As a matter of fact, seniors have many financial options to secure their future needs. For example, Mr. Jones gets a settlement for $100,000. He can then take a portion of that money to start an Annuity which will provide an annual income, let's say $10,000/yr. He can then use that annual income to pay for a long term health care plan and re-vitalize a smaller policy to suit his future needs, giving him both liquidity and security, putting his health care and death benefits on auto pilot.
Q: How can you guarantee a higher settlement?
A: Because we are a full service investment banking company, working with private investment groups, we are able to generate a higher value to each policy. Christian Stanley actually engineered our trademarked product Reverse-Life Insurance™ and there is no other company that is providing both sides of the Life Settlement transaction. We, therefore, can serve the needs of our clients more fully than any other company in the world.
Q: Is there an investment opportunity?
A: Yes, we are always open to interviewing investors who are looking for a safe and secure investment, such as we offer with Life Insurance Policies. We are also seeking individuals who would like to be considered for a position as an agent and work directly with Christian Stanley to build an agency of their own as well as helping seniors get the finances they so desperately need.
Q: How do we get started?
A: Simply email me at BobbyJames@ChristianStanley.com If :
1. You know someone who has a policy they would like to be appraised or
2. You know someone who would like to be considered to join Christian Stanley as an agent or
3. You know someone who is looking for an investment opportunity.
It is that simple. I hope I have addressed all of the questions here. If you have a question that you do not find here, please email me at BobbyJames@ChristianStanley.com and I will be happy to help you.
I wish everyone my best, and ask you all to help me help others.
From the Heart,
Bobby James
Managing Director
Christian Stanley Inc.
12100 Wilshire Blvd., Ste. 800
Los Angeles, CA 90025
BobbyJames@christianstanley.com
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