{"id":8,"date":"2018-05-09T02:00:00","date_gmt":"2018-05-09T14:00:00","guid":{"rendered":"https:\/\/www.parkerpreferred.com\/blog\/?p=8"},"modified":"2018-05-09T10:17:55","modified_gmt":"2018-05-09T16:17:55","slug":"can-a-life-insurance-policy-be-sold-as-an-asset","status":"publish","type":"post","link":"https:\/\/www.parkerpreferred.com\/blog\/can-a-life-insurance-policy-be-sold-as-an-asset\/","title":{"rendered":"Can A Life Insurance Policy Be Sold As An Asset?"},"content":{"rendered":"<h2><strong>A life insurance policy has benefits other than paying death benefits.&nbsp;<\/strong><\/h2>\n<p>Parker Preferred Insurance here are alternatives to investing in the stock market in the Dallas and McKinney, TX area.&nbsp;It was observed by investors that the stock market crash in 2009 did not cause significant financial damage to the value of permanent or fixed life insurance policies.&nbsp;Investors were made aware of this fact and considered the attractiveness of life insurance as an investment strategy and considered adding life insurance to their portfolio.<\/p>\n<p>Permanent life insurance not only holds its value but there is growth in its cash value over time, which can result in a higher return rate than on bonds. On the other hand, the value of a permanent life insurance policy will be affected by any lowering of its credit rating which would cause a downgrading in the value of the insurance company&rsquo;s investments.&nbsp;As a result, Insurance companies, as an investment strategy, may limit their risks by avoiding residential mortgage-backed securities (RMBS).<\/p>\n<p>Investors are now considering life insurance policies as life settlements (aka senior settlements) which are treated as assets that can be sold.&nbsp;The policy owner, whose life circumstances have changed, can sell his or her life insurance for a lump sum payment, thus exchanging a death benefit for a living benefit.&nbsp;The payment is less than its death benefit value but exceeds its cash surrender value. The policy owner sells his life insurance for a lump sum payment, thus exchanging a death benefit for a living benefit. The investor&#8217;s return on investment is when the policyholder has passed.<\/p>\n<p>The agents of Parker Preferred Insurance in McKinney, TX not only will guide you to protect your loved ones but will also provide creative insight into other benefits of a life insurance policy.&nbsp;Please call us to have your questions answered and to get a quote!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A life insurance policy has benefits other than paying death benefits.&nbsp; Parker Preferred Insurance here are alternatives to investing in the stock market in the Dallas and McKinney, TX area.&nbsp;It was observed by investors that the stock market crash in 2009 did not cause significant financial damage to the value of permanent or fixed life [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[7,6,8],"class_list":["post-8","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-mckinney","tag-parker-preferred-insurance","tag-tx"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/posts\/8","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/comments?post=8"}],"version-history":[{"count":1,"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/posts\/8\/revisions"}],"predecessor-version":[{"id":9,"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/posts\/8\/revisions\/9"}],"wp:attachment":[{"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/media?parent=8"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/categories?post=8"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.parkerpreferred.com\/blog\/wp-json\/wp\/v2\/tags?post=8"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}