What is a Life Settlement? A Life Settlement is the sale of an existing life insurance policy for a lump sum of cash that is more than the cash surrender value. A life insurance policy is property, like a car, house, stocks and bonds that can be legally sold in accordance with applicable laws. Through a Life Settlement, a policy owner can realize value today from an asset that is generally thought to only have a benefit when the insured passes away.

How can Life Settlements be used in Fundraising? There are many variations and complex estate and tax planning strategies that can be employed when utilizing Life Settlements in a planned giving program. However, in its simplest terms, a Donor who owns a life insurance policy gives the policy to the philanthropic organization that in turn immediately sells the policy for a lump sum of cash through a Life Settlement.

In order for a policy to be eligible for a life settlement, it must meet the following criteria:

• Insuring an individual over age sixty-five (65) or with a serious illness

• With a face value of at least $100,000

• Issued over two (2) years ago

1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

3. Being able to see their donation put to use during their lifetime rather than af
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   Getting people to post in your forum is probably the hardest thing to do. First, not all of your readers will post messages. In fact, only a small percentage will post regularly, and most will never post at all. Second, nobody want to be the first person to post a message. In fact, topic starters (people that start new topic of discussion) will be a small percentage of your posters; the rest will simply reply to topics that have been started.In order to get the forum to a point where it is self-sustaining, you will have to do a lot of work. Here are some tips that you can use to get your forum rolling:If nobody will
   nder value. A life insurance policy is property, like a car, house, stocks and bonds that can be legally sold in accordance with applicable laws. Through a Life Settlement, a policy owner can realize value today from an asset that is generally thought to only have a benefit when the insured passes away.

   How can Life Settlements be used in Fundraising? There are many variations and complex estate and tax planning strategies that can be employed when utilizing Life Settlements in a planned giving program. However, in its simplest terms, a Donor who owns a life insurance policy gives the policy to the philanthropic organization that in turn immediately sells the policy for a lump sum of cash through a Life Settlement.

   In order for a policy to be eligible for a life settlement, it must meet the following criteria:

   • Insuring an individual over age sixty-five (65) or with a serious illness

   • With a face value of at least $100,000

   • Issued over two (2) years ago
   Donor Benefits:
   1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

   2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

   3. Being able to see their donation put to use during their lifetime rather than af
      Disputing Unwanted Entries on Your Credit Report.
      Before I tell you how to dispute, you should be aware that the deck is stacked against you.Here is how it works. You send in a dispute to the credit bureau. They are supposed to send your dispute to the creditor for verification. The creditor can either verify it within 30 days or the bureau must delete the item. Once deleted an item cannot be reinserted without the bureau notifying you in writing that it is doing so.The reality is far different from what the law requires. The credit bureaus, instead of contacting the creditor and presenting you evidence, simply does a record check to make sure the computers at the infor
      aising? There are many variations and complex estate and tax planning strategies that can be employed when utilizing Life Settlements in a planned giving program. However, in its simplest terms, a Donor who owns a life insurance policy gives the policy to the philanthropic organization that in turn immediately sells the policy for a lump sum of cash through a Life Settlement.

      In order for a policy to be eligible for a life settlement, it must meet the following criteria:

      • Insuring an individual over age sixty-five (65) or with a serious illness

      • With a face value of at least $100,000

      • Issued over two (2) years ago
      Donor Benefits:
      1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

      2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

      3. Being able to see their donation put to use during their lifetime rather than af
         Sell Annuity Settlement
         A structured settlement is a monetary grant that is often the result of a successful lawsuit. Often the lawsuit is in reference to an injury case, which results in an insurance agreement. This payment is financially planned to guard the settlement sum and to offer the beneficiary with safe returns. Often the receiver is incapable of work, restricted in work capacity or has endured loss in earnings due to work absence as a result of injury. The structured settlement, also known as an annuity settlement, offers the receiver a long-term, steady and tax-free income.An annuity settlement or a structured settlement uses annuities as
         through a Life Settlement.

         In order for a policy to be eligible for a life settlement, it must meet the following criteria:

         • Insuring an individual over age sixty-five (65) or with a serious illness

         • With a face value of at least $100,000

         • Issued over two (2) years ago
         Donor Benefits:
         1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

         2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

         3. Being able to see their donation put to use during their lifetime rather than af
            Direct Mail = Your Money, From Printer to Mailbox to Trash!
            I did a quick, very unscientific survey of 25 of my friends. I asked them to put the mail that they do not open or read in a specific trash bag. At the end of one week they gave it to me to be weighed. Guess how much the bag weighed? Remember, most mail is a fraction of an ounce. 63.4.....not ounces....lbs! Something is wrong with this picture! That's like 2 1/2 pounds per person per week! Holy Cow! Also this was a March survey, what if it had been done in November?Let's get a grip on this absolute waste of paper, ink, money and time! There are some common sense points we need to look at here.Direct mail, at 2-5%, has
            on to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

         4. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

         5. Being able to see their donation put to use during their lifetime rather than after their death if the organization did not utilize a Life Settlement;

         6. Eliminating the requirement of continued premium payments on the policy;

         7. Removing a taxable asset from their estate if the policy was individually held.
         Organization Benefits:
         1. Receive a donation from a Donor who may not have otherwise been in a position to contribute at all;

         2. Collect a lump sum of cash today instead of having to wait for the insured’s death to collect the proceeds;

         3. Not having the financial burden of paying premium payments to keep the policy in force;

         4. Providing a valuable option to the Donor that furthers their tax and estate planning objectives and invites the opportunity for future/additional gifts.

         5. Improved annual budget forecasting ability
         How Does a Life Settlement Work?

         Once the Donor is considering gifting a life insurance policy to the organization, the life insurance policy should be appraised. Typically, a Life Settlement Broker can determine its eligibility for a life settlement and will undertake it to obtain the highest offer for the policy.

         The value of a life insurance policy is determined by a number of factors, including, but not limited to, the age and medical condition of the insured, type of insurance policy, rating of the issuing insurance company and amount of premium payments to keep t