Life Insurance Settlement

Written by Grant Shellhammer


Continued from page 1

There are numerous other benefits to policy owners through a life insurance settlement. These include relief of costly premium expenses, higher cash payout thanrepparttar surrender value, cash payout instead of a policy lapse, additional funds for retirement and other endeavors, funds for health related expenses, and other estate and financial planning needs.

To sum things up, a life insurance settlement is a strong and beneficial financial tool for senior citizens nationwide. Consumers now have options to receive more money versusrepparttar 142537 previous options of only a cash surrender or policy lapse. Withrepparttar 142538 consumer friendly approach of a life insurance settlement,repparttar 142539 market will continue to grow.

Grant Shellhammer is a licensed insurance agent and affliate Life Settlement Broker with Life Settlement Pro.

Contact details:

grant@lifesettlementpro.com

1.888.973.8377

http://www.lifesettlementpro.com


Home Loans and Mortgages – The Selection Can Be Bewildering

Written by Charles Essmeier


Continued from page 1


  • Convertible mortgages are ARMs that offerrepparttar buyer an opportunity to “convert”repparttar 142518 adjustable rate loan to a fixed rate loan after a certain period of time that is spelled out inrepparttar 142519 loan agreement. There is a fee charged for convertingrepparttar 142520 mortgage, butrepparttar 142521 fee is typically less thanrepparttar 142522 fees associated with refinancingrepparttar 142523 mortgage altogether.


  • Two Step mortgages offer an initial rate that is lower thanrepparttar 142524 rate for fixed-rate mortgages forrepparttar 142525 first few years ofrepparttar 142526 loan. After a set period of time,repparttar 142527 rate increases to a fixed rate. This allows buyers to pay less duringrepparttar 142528 early years of their loan, when they may earn less or need extra cash for home furnishings. The disadvantage of this type of loan is thatrepparttar 142529 increase inrepparttar 142530 interest rate can be substantial, and may makerepparttar 142531 payments unaffordable for some buyers..


  • These are just a few ofrepparttar 142532 types of loans that are currently available inrepparttar 142533 market. There are probably dozens of variations on ARM loans, and prospective buyers should study their options carefully before agreeing to a loan. Makingrepparttar 142534 right choice could save buyers thousands of dollars overrepparttar 142535 life ofrepparttar 142536 loan. Makingrepparttar 142537 wrong choice could leave buyers with a loan that they cannot afford to pay. A little time spent on research is time well spent.



    ©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and HomeEquityHelp.net, a site devoted to information on home equity loans.


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