Life Settlements by Michael J. Gultz MBA, MFP

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) August 18, 2007 -- Life Insurance Settlements allow a life insurance policy owner to sell an existing policy to a
financial institution, called a provider, in exchange for a lump sum cash settlement. The
amount paid for the policy is a discounted percentage of the policy's net death benefit
and represents the present day value of the policy. This purchase price is determined by
considering the insured's estimated mortality (life expectancy) and the associated cost of
premiums to keep the policy in force for that timeframe.

There are two (2) types of life insurance settlement transactions:

1. Life Settlements create immediate liquidity from a non-performing asset, allowing policy
owners to cash out of unwanted, unaffordable or obsolete life insurance policies insuring
a senior generally over age sixty five (65).

2. Viatical Settlements someone facing a terminal illness to utilize the present day value of
his or her life insurance policy to ease the financial burdens that can be caused by the
high costs of medical care.

Michael J. Gultz MBA, MFP is an authorized and registered Viatical & Life Settlement

Broker in the state of Texas. "As an authorized broker, it is my responsibility to negotiate
with registered providers to maximize settlement offers for each and every client."


Only one application is required to receive multiple offers from the top providers in
the industry!

We represent the best interests of the policy owner and insured during the entire
life insurance settlement transaction.

There are never any fees to apply and there is absolutely no obligation to accept
an offer from any of our funding sources.

It is our goal to provide a quick, professional and hassle-free settlement process.

All personal information obtained during the application process is strictly
confidential.


By choosing to work with a broker to negotiate offers on your behalf, you have only one
point of contact to follow up with regarding your application status. In addition, your
physicians and insurance company will only be contacted by one firm. It is quite common
for medical records staff and customer service representatives to become overwhelmed
and inconvenienced by multiple requests for the same information, which translates into

considerable delays in the underwriting process.

More information can be found online at http://www.qualitycompanionship.com

lapse life insurance     lapse life insurance coverage     lapsed life insurance     lapsed life insurance coverage     life insurance settlement     life settlement     life settlement texas     life settlements