randy rhodes

and one CRUCIAL detail I left out is...an insurance agent is many times, restricted by the "broker dealer" to only use select companies and products. It my mind that prohibits the very best deal. You see more so than not, the policy only goes to a very small spread of the market and doesn't create enough opportunity for itself. Not the fault of the agent, it's actually their company rules and protocol unfortunitely.

yes, that is excellent advice. It takes about 72 days on average from acceptance of the offer to a check in hand for the client. I like the advice about choosing a specialized broker. It goes back to what Jerry is saying above. The insurance agent/broker is NOT always the best place to go to. The expertise in settlements is more Finance related then even Insurance related. We're dealing with funding and return projections rather than underwriting a risk. Totally different expertise. Don't hire a part-timer for this!

oh yeah...
contact info!
mjgusa1@hotmail.com

Hi to all:

I want to thank everyone for posting on this site. Mr. Udell especially for having an open forum for people to search and discuss their questions and difficulities. It is afterall a very new market for the average insurance consumer. I have received a tremendous response to my comments and have been able to help many of you with the unique situations that have come up over the last months. I wanted to thank you all for giving me the opportunity to demonstrate my expertise. You know who you are! Please keep posting on this wall. I check it all the time and would love more opportunities to do good business with all of you.
Matthew

Hello Everyone,

The fact is, lapse rates are 80% on UL policies and 95% on term. So to say that Prem Fi is going to affect the pricing of the policies is rediculous. 2% of insurance is held by people over 70 anyway. Infact you will find some carriers will look the other way with PF policies for the reason that the time value of money is far greater benefit to the carrier. If you own an insurance policy, your really just a cheap loan to them anyway. I think it's wonderful that healhty older folks can generate income from this. It's like a bonus for taking care of yourself all these years. Besides, their long term care plans are overpriced as is their senior living. Nursing homes? a joke! and to address the fool above with the SOLI concept...get out of the insurance biz...more wives have killed their husbands for their insurance than anything else. I think their is a better argument to brokers who transact it who simply suck at what they do. I am a broker for this and I give the insured what I tell them. Their is no promise after 2 years...it's speculative. But...a life expectancy report today can assess your chances of making a good deal. If you have interest in making a good deal and want to talk to someone that actually knows how to construct a deal like this simply email me. I am lisc'd in 48 states.
MJGUSA1@hotmail.com

don't buy amp'd. you should go to verizon where they are a corporate giant and have something called "infrastructure"..amazing concept! really, you pay more, but it's worth every penny
-real customer

why not go spend your money on a cheap guitar or kit, and learn to actually play the instrument. Stop trying to be a rockstar when your instrument is made with a button and learn to read notation and become a REAL musician. Gamers are pathetic as they have no intention of joining reality...everything is done through a button...i would hate to see how you all get laid!!