Why sell your life insurance policy?

I have gotten a few responses from people curious about why some people might want to sell their life insurance policies. Let me give a few reasons:

- The estate has been reduced to a point that the tax burden no longer requires coverage to pay the estate tax.

- The spouse/primary beneficiary has died.

- Policy Owner is in the process of or has gone through a divorce.
Note: In the past, the only policies that were considered of value as a marital asset were those with cash value. Now, Term Insurance which has no cash value component, has a value.

- Policy Owner is in the process of or has gone through a Personal or Business Bankruptcy

- The Universal Life policy that was supposed to self fund itself (sometimes referred to as a disappearing premium) isn’t performing as desired and now significant premiums are required to keep it in force.

There are of course other reasons, if you feel your situation would benefit from a life settlement, please email us or call toll free 1-888-973-8377.

Reverse Mortgage Property Qualify

To qualify for a senior citizen reverse mortgage, the property must be an owner-occupied, single-family house, condominium or manufactured house on an owned lot. Ineligible properties include vacation, second and rental houses, co-op apartments, houseboats, mobile homes, commercial properties and farms (unless the residence is on a separate lot).

Reverse mortgages must be recorded as a first mortgage. Any existing mortgage or home equity loan must be paid off, usually with a lump sum advance from the reverse mortgage if the encumbrances are not substantial.

Fill out our online free quote form to get a reverse mortgage comparison and estimate. You can also call toll free at 1-888-973-8377 to speak with a reverse mortgage specialist.

How do Reverse Mortgage loans work?

How do Reverse Mortgage loans work?

That depends on the type of reverse mortgage the borrower chooses. There are three options: a line of credit, a monthly payment or a lump sum.

With a line of credit, the bank provides the borrower with access to a set amount of money, but the borrower owes interest only on the amount that's used. This is the type of loan the Fletchers chose. It allows them to handle one-time costs, such as Maggie's car or vacations, and have money available for other needs which may arise.

The second option is what the loans were designed for -- to provide monthly income to seniors to help them make ends meet. With this option, the bank pays borrowers a set monthly amount for life.

The lump-sum option is most like a traditional mortgage. The borrower gets the full amount of the loan in a single payment. But the borrower makes no monthly payments. Instead, the interest that accrues is added to the loan balance. The principal and interest are paid only when the homeowner sells the home or dies.

Get a free reverse mortgage analysis today!

Call toll free at 1-888-973-8377 with any questions.

Consider These Options Before You Decide

Consider These Options Before You Decide

A viatical settlement or accelerated death benefit option may be a good source of funds. But you should fully understand how your choice will affect you and your survivors. Before you decide to apply for a viatical settlement or accelerated death benefits, you should:

1) Realize that after your death the policy may not pay your beneficiaries any death benefit. Or it may pay a much lower benefit than you planned when you bought the policy.

2) Think about whether other options would be better for you. You might borrow the cash value of your life insurance policy or cancel the policy and take out the cash value.

3) If you owe money, ask your accountant if your creditors can try to collect what you owe them from your life insurance payouts. Recent federal legislation makes payouts from a viatical settlement or accelerated death benefits tax free, a great benefit to terminally ill individuals.

4) You should contact your personal tax advisor as there may be tax implications under certain circumstances on the sale of a life insurance policy; for example, if you are not terminally ill and you sell your life insurance policy to a viatical settlement provider.

5) Decide how payments from your life insurance will affect your eligibility for programs such as Medicaid and supplemental Social Security income.

Till next time, have a blessed day..

Life Insurance Agents, Financial Planners, and more

Attention!
Life Insurance Agents, Financial Planners, and Money Advisors!
Are you doing all you can, or should, for your elderly, affluent insurance clients?
(Are you sure about that?)
Life Settlements may make sense for your policyholders over age 65!

If you are a Life Insurance Agent or Certified Financial Planner or a Financial Advisor, you need to know about Life Settlements.

Life Settlements offer larger cash payments for your clients who wish to sell their policies for 2-5 times the company offered cash value or surrender value. Recent cases indicate the courts are expecting agents and planners to make elderly clients aware of this option, rather than simply "cashing out" a policy at the surrender rate, or worse, doing nothing as a policy dies.

What does this mean for you and your business?More than you might think.

If you have a policyholder past the age of 65, with a non-contestible policy with a face value of $400,000 or more, and with a cash value buildup or term convertibility, you should explore a Life Settlement for that client.

Call RTG Consultants Now! Toll Free: ( 888) 973-8377

Perhaps your client needs funds for nursing home care or other medical expenses. Perhaps that client no longer needs huge face values for survivors--such as when the spouse has died or the kids are grown and doing fine on their own. Perhaps the premiums on the old policy have skyrocketed, and you could offer a new, less-expensive policy with even greater coverage--if only the client could afford it.

Perhaps you are concerned that a policy is lapsing, or eating itself by consuming its cash value to maintain premium. You know that when that policy is empty, it will likely lapse. That hurts both the insured and you, the agent.

What if you could creatively "cash" that old policy, put significant money in the client's hands, leave the policy (and its premiums) intact with a new owner, and write a new policy for your client, with new premiums pre-paid and significant benefit amounts?

Think about what that means to you--the old policy remains in force (with premiums paid), a new policy comes into force (with premiums paid), and the client is very pleased with the arrangement. That's good business in every way!

Life Settlements can make these kinds of things happen for your mature policyholders. They can sell their old policy, receive enough cash to frontload premiums on a new policy, and leave both the old and new policies alive on your books!

So, the policyholder sells the old policy and the face-value payoff to a new owner, for 2-5 times the anticipated cash value/surrender value. You then write a new policy using the new funds to pay the premiums, and you retain both policies on your schedule. It's a win for everyone.

We can show you how! RTG Consultants represents a large, established Life Settlement funding source--the people who buy old life insurance policies. The funding source buys the policy from the policyholder, continues to pay the premiums for the life of the insured, and collects the face value when the insured's life ends. With the funds from the sale of the old policy, the client can pay expenses, or front-pay a new life policy, often for a greater benefit amount for his survivors.

You, the agent or advisor, can be instrumental in making this series of transactions happen for your elderly, affluent clients. It's simple. It's often the right thing to do. Our involvement makes it easy and fast.

Give us a call , at no charge to you, to receive our FREE Life Settlement Information Kit. The Kit is absolutely FREE. The Information is Priceless!

It's a smart move on your part! And your clients will thank you. Call RTG Consultants --Toll-Free: (888) 973 - 8377.

Reverse Mortgage Drawbacks

Drawbacks
But if the reverse mortgage sounds like a godsend, be aware that it has drawbacks, too.

For one thing, they are expensive. Closing costs include all of the charges that come with a traditional mortgage -- application fees as well as appraisal, title insurance and document stamps charges -- plus 2 percent of the home's value to cover the FHA-mandated cost of insurance to insure that the amount owed will never exceed the value of the home.

Origination fees can add another 2 percent or more of the home's value to the closing costs, so they are not a good idea for those who do not expect to remain in their homes very long -- for at least three years.

They're also not for those who want a few thousand dollars to replace a heater or resod a lawn, or for those who are hellbent on leaving every last penny to their children.

"The closing costs are too high," explains David Klein, an elder law attorney in Suffern, N.Y. But for those who do plan to stay three years or more, reverse mortgages truly are useful and effective, says Klein.

He recently helped an equity-rich client -- a 66-year-old widow on a fixed income -- obtain a reverse mortgage. "It paid off her high credit card debt and her mortgage and gave her income, too," he says.

But being pressed for cash isn't the only reason to take out a reverse mortgage. For example, Aleck and Sheila Townsley took one out on their home that overlooks San Francisco Bay even though their retirement had been comfortable enough -- he's a retired attorney and she's a retired school teacher. They chose a line of credit in order to be able to enjoy the "extras."

"We have no children," Mr. Townsley explains. "So I want to spend my last dime with my last breath."

For more information, and to calculate how much you may be able to borrow, visit our online reverse mortgage calculator.

Reverse Mortgage Misconception

Reverse mortgage lenders have also had to dispel the popular notion that borrowers have to sign over ownership of their home to the lender or that the equity in the home is lost to any heirs if the owner dies -- no matter how much has been drawn. Neither is true. The lender holds a first mortgage security interest in the home -- as in a traditional mortgage -- while the senior homeowner retains full title to the property.

Bell says that what makes reverse mortgages, which have been offered since the late 1960s, so appealing is the fact that senior retirees can continue to live in their homes while turning their equity into cash. Unlike a traditional or forward mortgage or home equity loan, there are no payments -- monthly or otherwise -- as long as the borrower remains in the home, and the loan doesn't have to be repaid until the last borrower dies or moves out of the house.

When that happens, the estate, the heirs or the homeowners themselves, if they are still living, have a full year to sell the property and pay off the reverse-mortgage holder.

And thanks to insurance mandated by the federal government for certain reverse mortgages, borrowers or their heirs may never owe more than the house is worth, regardless of how much interest has accumulated over the years.

Find out how much you qualify for with a reverse mortgage by calling 1-888-973-8377 or visiting our free online analysis form.

Life Settlement Solutions

A Life Settlement is the sale of a life insurance policy in exchange for a cash settlement in excess of the policy’s cash surrender value—even if none exists! This innovative wealth and estate planning tool removes the burden of expensive insurance premium payments in addition to providing the lump sum cash settlement.

This service presents a unique opportunity to extract the maximum value from your existing life insurance policy and repurpose those funds for whatever your financial needs may be. In fact, seniors can use the cash settlement for medical expenses, living expenses, or anything they desire—with no restrictions.

Life Settlements can be a valuable financial option. The inflow of funds and elimination of expensive premiums open up new financial possibilities. This transaction is often seen as converting a future asset into an available resource. Remember, a successful financial outcome never happens by accident. We can help you make your financial plans a reality.

As a Life Settlement Broker, we represent the policy holder in this transaction, and work to find the highest settlement for them. Our independent status allows us to work with over 20 different funding groups, both within and outside of the United States. We leverage these relationships to benefit our clients. However, we do not raise capital or report to these investors. Our duty is to the policy holder only, and our sole purpose is to provide our clients with the absolute highest offer for their life insurance policy in a professional and timely manner.

Fill out our Free Online Policy Appraisal Form today!

Call 1-888-973-8377 with any questions.

Till next time, have a blessed day..

Disadvantages of the Reverse Mortgage:

There are many advantages of a Reverse Mortgage, but just link anything in life, there are some disadvantages.

Here are three instances that have been labeled as a disadvantage to a Reverse Mortgage.

1. Depletes equity in your home, some of which will be used for closing costs fees and insurance premiums

2. May affect qualification for Old Age Pension, Medicaid, Food Stamps or Supplemental Social Security Income. (Does not affect current status.)

3. Reduces the value of your estate

If you have any questions or need assistance please call a Reverse Mortgage Consultant toll free at 1-888-973-8377.

Personal Reverse Mortgage Analysis

Free Personal Reverse Mortgage Analysis

An Objective Report Tailored to Your Specific Needs.

What you get:

- A customized report based on your personal situation: your age, your home's value, and your preferences.
- Detailed, side-by-side comparisons
- Specific cash advance amounts, total loan costs, and leftover equity for your heirs
- Based on your specific age (or ages), home value, and current interest rates
* PLUS details on where to obtain local counseling

How to get it:

- Fill in the following form - please complete the form thoroughly.
- Your Personal Reverse Mortgage Analysis will be promptly mailed to you.

Note: If you are just curious as to how much may be obtainable, please first check the Online Reverse Mortgage Calulator. Then, if you want more details, please come complete the form, or call us toll free with any question 1-888-973-8377.

Reverse Mortgage Cartoon Picture

Posted a funny link today on Reverse Mortgage Lead.

It is a reverse mortgage cartoon picture.

Check it out, click below:
Funny Reverse Mortgage Picture

Let me know if you can find anymore like this

Life Settlements - Benefit Plus Program

Life Settlements - Benefit Plus Program

The life settlement benefits plus program was designed specifically for policy owners with serious illnesses. WIth the loss of income and the cost medical care, every dollar counts. That is why our program makes sure our client gets the highest offer available in the market. This is all possible because of the competition RTG creates between Life Settlement funding companies. The funding companies in this industry know that we process a lot of transactions, so in order to keep our business they need to pay our clients the market value and sometimes more than what a policy is worth.

Many customers ask why shouldn't they just contact a funding company directly? We hear this question and address it based on experience. When clients contact funding companies directly their is no competition between funders involved. Also it will require more work and time than when working with a broker. See as part of the life settlement advantage program, we do all the work needed to obtain offers from the funding companies. That's right as a client it will only take one simple application to get started.

Call today to get started or with any questions 1.888.973.8377

HECMs Versus Other Reverses

HECMs Versus Other Reverses

HECM loans generally provide the largest loan advances of any reverse mortgage. Often they provide a lot more cash than any other program. HECMs also give you the most choices in how you can have the cash paid to you. HECM stands for Home Equity Conversion Mortgage.

The money you get from a HECM can be used for any purpose. Although they are not cheap, HECM loans can be much less costly than the other reverse mortgages that can be used for any purpose.

Generally, the only reverse mortgages that cost less than HECMs are ones offered by state or local governments. These loans typically must be used for one specific purpose only, for example, to repair your home, or pay your property taxes. They also generally are available only to homeowners with low to moderate incomes.

To see if you qualify for a HECM, please call toll free 1-888-973-8377 or fill out or online HECM analysis form.

Till next time, have a blessed day..

Reverse Mortgage means Freedom and Independence for Seniors.

A Reverse Mortgage allows seniors to live in their home as long as they choose without making a mortgage payment. Reverse Mortgages can give seniors tax-free monthly income payments, credit line or a one-time cash payment from the equity of their home. To qualify for a reverse mortgage you must be at least 62 years old and own your own home or condominium. There are no income or credit score requirements to qualify for a reverse mortgage. With a Reverse Mortgage the title of your home remains in your name and the home can be left to your heirs. There are very few out of pocket fees and the money you receive from a Reverse Mortgage can be used for anything.

Get a FREE reverse mortgage analysis or call us toll free at 1-888-973-8377

Senior Settlements

Senior Settlements, what they can do for you.

Senior Settlements, sometimes referred to as Life Settlements, can provide a powerful financial planning tool. A senior settlement often represents found money for a policy holder by providing a lump sum of cash for the liquidated policy of between 10 - 75% of policy face value irregardless of cash value. There is no guarantee that you will receive more than cash value until your have your policy underwritten and enter into an agreement with the funding company.

Using the proceeds of a senior settlement.

The cash proceeds from a senior settlement transaction can be utilized to satisfy other financial needs as they occur. They can be utilized to purchase annuities, investments or long term care. If some insurance is still needed, a portion of the lump sum can be utilized to purchase a more appropriate policy.

Qualifying for a senior settlement.

Any type of in force life insurance policy can qualify for a senior settlement transaction. Term policies, universal life, whole life, survivorship, key man, etc. all can be utilized. These policies can be owned by groups, individuals, corporations, charitable institutions or any entity. The insured should be over 65 years of age and the policy in force for over 2 years. The minimum face value is $50,000. Generally, seniors over 65 with a history of poor health and older seniors are able to participate.

Feel free to inquire about any policy or situation. Call us toll free at 1-888-973-8377.

Or complete our free online senior settlement quote form.

HECM Cap to Increase

BREAKING NEWS!

Last evening, the U.S. Senate unanimously passed a
supplemental appropriations bill that provides additional
funding for the war in Iraq and other necessities but more
importantly raises the HECM loan cap by an additional
100,000 to 250,000. The same bill was approved by the House
of Representatives last week. President Bush is expected to
sign the legislation into law anytime.

While the supplemental appropriations bill provides a
temporary solution, NRMLA is working around the clock with
the leadership of the House Financial Services Committee and
the Subcommittee on Housing and Community Opportunity to
introduce legislation that will either permanently remove
the cap or raise it to a much higher level.

Stay tuned for additional details.

Grant Shellhammer
Life Settlement and Reverse Mortgage Specialist
RTG Consultants, LLC
http://www.rtgconsultants.com/
888.973.8377
407.774.0112

Home Equity Fallback

Found this bit of information in a great article discussing personal finance.

Still, home equity is a good fallback. In your final years, you might tap it with a reverse mortgage, which is a loan against the equity built up in the property. There are no payments, and you don't need an income to qualify, as you do with a second mortgage or home-equity loan. The principal and interest owed on a reverse mortgage is paid only after you die or sell the property, and the lender cannot foreclose.

Please call us at 1-888-973-8377 for free reverse mortgage information and a free analysis.

The article can be found here: Personal Finance & Investing

Till next time, have a blessed day.

Viaticals are now subject to regulation

A federal appeals court on Friday affirmed that insurance investments sold by Mutual Benefits are securities subject to government regulation.

The insurance investments sold by Fort Lauderdale-based Mutual Benefits Corp. are subject to regulation by the Securities and Exchange Commission, the 11th Circuit Court of Appeals ruled Friday...

Full article is here..

http://www.rtgconsultants.com/lifesettlement-articles/mutual-benefits.html

Reverse Mortgage Lenders do not own the house

There has been quite a few misconceptions about reverse mortgages lenders taking away or owning your house.

This is totally false!

Reverse Mortgage lenders are not in the business of selling houses. However, they are in the business of helping you keep your home and meet whatever financial needs you may have in order to help you maintain financial independence. Reverse Mortgage borrowers may remain in the home for as long as they wish. However, should they decide to sell the home for any reason, the loan would then become due and payable.

Fill out our online FREE Reverse Mortgage Analysis form to find out how much you can qualify for, you can also reach us toll free at 1-888-973-8377

Till next time, have a blessed day...

Charity Life Settlement

Find out if there is considerable money locked away in your life insurance policy!

You owe it to yourself and your favorite charity to find out the value of your policy through a Life Settlement. Chances are the amount is considerably more that you would have imagined! You can give more generously than you had hoped, you will no longer have to pay policy premiums and you will receive a significantly higher tax deduction than if you surrendered the policy for cash. For a free, no-obligation evaluation of your life insurance policy please see if your policy qualifies for Life Settlement.

To speak with a consultant now, please call 1-888-973-8377

Senior Settlements

Senior Settlements, also referred to as Life Settlements or High Net Worth Transactions, are enhancing the Quality of life now, for seniors over the age of 65 that do not need their life insurance and would benefit by having immediate cash in hand. With Senior Life Settlements - the option is now available for a life insurance policy to be purchased from the owner by a financial institution creating a lump sum cash payment directly to the seller. RTG Consultants is proud to help seniors with Life Settlements. We invite you fill out our easy and secure online qualification form or call us and see how we can help you.

Phone: 1 (888) 973-8377 (Please mention our website).

Toll-free Number Problems

Everyone who has tried to call last night or this morning we are having problems with our toll-free number provider (Telcan). The number is 1-888-9REVERSE (1-888-973-8377), for the time being, please call us locally at 407-774-0112 or 407-641-4352. If long distance is a problem, please fill out our contact form and we will call you back immediately. We are sorry for any inconvenience this may have caused.

How can a reverse mortgage help me?

What is a reverse mortgage and how can it help me?

A reverse mortgage is a special type of home loan that lets a homeowner convert the equity in his or her home into cash. The equity built up over years of home mortgage payments can be paid to the homeowner in a number of ways: in a lump sum, in a stream of payments, or as a supplement to Social Security or other retirement funds. But unlike a traditional home equity loan or second mortgage, with a reverse mortgage repayment is not required until the borrowers no longer use the home as their principal residence.

Since your home is probably your largest single investment, it's smart to know more about reverse mortgages, and decide if one is right for you!

We have helped close over 5000 reverse mortgages helping many to live a better lifestyle with greater financial freedom and security. Most common questions can be answered in our reverse mortgage FAQ section.

You can get a free quote by visiting our online quote form or call toll free at 1-888-973-8377.

Reverse Mortgage Financial Future

Reverse mortgages have a place in many people's financial futures. The older one is, the better deal it is and the reason for that is simply, the older you are the shorter your life expectancy. The lender is prepared to advance you more money knowing they will get theirs after your demise. The only advantage of the appreciation will likely come for your heirs, not for you, since you have mortgaged the house and it will not be sold until your death. You should know there is nothing to prevent a reverse mortgage from being paid off simply by selling the house. In other words it's not necessary to continue to draw it down. Even after it's completely drawn down, it isn't necessary to remain in the house forever. It can be sold, the mortgage company will be paid and you will receive the residual. On balance, as long as you understand these details, a reverse mortgage may very well be in your interest. You should understand that as long as you stay in the home and pay the taxes, even though you've exhausted whatever equity could be borrowed against, you cannot be required to leave the house. You are granted life rights.

Source: The Cincinnati Post

House OKs Stronger Rule on Viatical Sales

Gov. Bush supports bill governing the settlement of life policy investments.

By Lloyd Dunkelberger
Ledger Tallahassee Bureau

TALLAHASSEE -- Reversing a decision made in the waning hours of the 2004 session, the Florida House sent the governor a bill on Monday that will restore stronger consumer protections for the sale of some life insurance investments.

The legislation (SB 2412) will allow state financial regulators to treat the sale of viatical settlements as securities, rather than as an insurance product.

Viatical settlements involve the sale of life insurance policies by the elderly and sick to investors, who buy the policies at a discount. But the industry has been plagued by fraud, with state regulators estimating Floridians have lost nearly $500 million in viatical investments in recent years.

Chief Financial Officer Tom Gallagher, who lobbied for the change, praised the House action.

"The legislation approved by lawmakers today will enable us to proactively protect investors and aggressively pursue fraudulent practices in this industry," said Gallagher, who heads the Florida Department of Financial Services.

Gov. Jeb Bush, who also supported the increased regulation, is expected to sign the bill, which was sponsored by Sen. Rudy Garcia, R-Hialeah, and Rep. Dudley Goodlette, R-Naples.

The 112-0 vote by the House on Monday reversed a bill passed by lawmakers last year that required the viatical settlements to be treated as an insurance transaction. The provision was added as a late-hour amendment to a major financial services bill that Bush ultimately signed, while expressing strong reservations about the change in viatical regulation.

Treating viatical settlements as securities will require companies that sell the investments to pass stricter licensing requirements and will imposm stronger disclosure provisions on the transactions, state regulator said.

RTG Consultants will answer any questions pertaining to viatical settlements or viatical fraud. Please contact us toll free at 1-888-973-8377

How much can you borrow?

Got a few emails about how much you can borrow with a reverse mortgage.

Q: How much can you borrow?

A: The reverse mortgage amount varies based on factors including the borrower's age, the amount of equity in the house, the property's location and the lender's guidelines.

Homeowners in areas with high housing costs can borrow as much as $313,000 with an FHA-insured loan. In lower-cost areas, however, the maximum is $172,000.

Older people can borrow more on the theory that they have less time to live and the loan would be repaid more quickly.

For instance, a 74-year-old borrower in Los Angeles or New York who has $800,000 in home equity could get a lump sum of about $195,000 from the government-guaranteed Home Equity Conversion Mortgage program. Such a person living in Denver, however, could get only $164,000.

The 74-year-old in L.A. or New York with $800,000 in equity could get a bigger lump sum — as much as $239,000 — by borrowing from Financial Freedom, an Irvine-based lender that offers reverse mortgages not insured by the FHA. RTG is also affliated with Financial Freedom and can be reached toll free at 1-888-973-8377

Till next time, have a blessed day..

Reverse Mortgage Maximums

Good News!! Reverse Mortgage Loan Limits Increased

Effective January 1, 2005, FHA County Loan Limits range from a minimum of $172,632 to a maximum of $312,895. The new FannieMae maximum is $359,650.

Please ask one of our Reverse Mortgage Advisors for a complete explanation of these new larger limits by calling 1-888-973-8377.

How to Avoid the Life Settlement Scam Artists Who Want to Take Your Money

How to Avoid the Life Settlement Scam Artists Who Want to Take Your Money

Seems like they are everywhere — the scam artists who are waiting for unsuspecting victims. Yes they are out there. Yes they want your money. Yes they will lie, cheat and steal your money. Here’s how to avoid them altogether.

Consult your team first
Your trusted advisors may have a stable of trusted associated standing by to help you with your settlement needs. Start your process there. As with any big-dollar transaction — always get a second opinion (and check references, and verify claims, and get everything in writing and review ever agreement with your attorney first).

Verify everything
Most states regulate the viatical and life settlement market and brokers are required to be registered (and in some states certified) to operate. Regulations vary by state, but you will most certainly want verify your broker’s status in your own state.

1. consult your Secretary of State’s office or Insurance Commissioner in your state (use google to find the web sites)
2. verify requirements for brokers & verify your broker is licensed to operate. Also find out if there may be consumer complaints about your broker.
3. contact the BBB
4. verify your broker is a member of the Viatical & Life Settlement Association.


If you don’t feel comfortable with this process, consult your team members — they may be in a position to investigate for you or help you verify your broker is above board.

Get everything in writing
Sharks rely on slick talk and false promises. Get every claim in writing. Verify all claims with your team.

Never sign a document
Until you completel satisfied your interests are protected (and your team has given a second opinion) — never sign anything. Period.

Don’t give out your personal information ever
Unless and until you’ve verified your broker is not a shark, don’t give your personal information. In particular your social security number or bank account information (even your policy number if you don’t know who you’re speaking with).

Never Pay An Upfrunt Appraisal Fee
Your life settlement appraisal should never cost you a penny. In particular, never pay an upfront fee. None of the established brokers or providers in the market charge policy holders for an appraisal.

Work with established Viatical & Life Settlement companies
RTG Consultants is here to assist you, we believe in honesty, credibility, and professionalism. Please call 1-888-973-8377 for a free policy evaluation and consultation.