What are Life Settlements?
A Life Settlement is a financial transaction whereby a policy owner holding a life insurance policy sells this policy to a third party for a higher cash settlement value than if returned to the issuing life insurance company.
The purchaser of the policy becomes the owner and beneficiary of the policy at maturity and is responsible for all remaining premiums.
Policy owners looking to sell their policy are seeking out Life Settlement brokers to gain access to this market and in turn receive a fair market value for their policy.
Why do people sell their life insurance policies?
There are many reasons why people want to sell their life insurance policies:
- The policy is no longer needed or wanted;
- The owners of these policies want to receive much needed cash and live out their remaining years in dignity;
- Allow them to seek the medical treatment they require;
- Forced liquidation – divorce, hardship, etc.;
- Changing estate planning needs.
Life Settlement Investment
Focused Money Solutions Inc. has created a Debenture Offering for the purpose of acquiring Life Settlement policies.
Debentures are a debt instrument issued by Focused Money that pay investors 10% per annum on their invested capital. These interest payments are distributed to investors on a monthly basis. Investors also have the option to reinvest the interest payments.
The Debenture Offering from Focused Money is RRSP/RRIF and LIRA/LRIF eligible, and the interest earned on the debenture units are placed directly into these accounts.
Investors who invest in the Debenture Offering also have the option to purchase Warrants of the common stock of Focused Money.
Warrants give the holder the right to purchase common shares of Focused Money at a set price.
This is an excellent opportunity for investors to participate in the growth of a Life Settlement corporation!
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