Investment Opportunities with Structured Settlements

Cash for structured settlement payment is an individualized plan to help you take cares over present and future expenses. It is important to make a proper payment schedule keeping in mind your future requirements. A hasty decision may spell disaster, as your funds may fall short of your expectancy. For that reason, it would be better to opt for the services of an experienced attorney to ascertain the structured settlement payment. Make sure that the amount you receive periodically is calculated to provide you with an income over a fixed period of time.

Investment in Structured Settlements
You may buy a structured settlement payment as an investment. It can also be provided as a compensatory payment to an injured person. Therefore, normally, these structured settlements can be used to receive payments at certain intervals or sold by parts. They can also be sold to receive a lump sum amount as full and final settlement. All depends on the needs of the recipient. If the recipient has planned to invest in a big project like buying a property, a lump sum payment will be the best option. On the other hand, if the money is required over a long period of time at short intervals, structured settlement payments can be beneficial.

People generally opt for structured settlements lump sum cash payment when they have a pressing need, where they may need money to pay off medical or legal bills. In case of personal injury, the settlement payment should not only cover the medical expenses, but also family expenses related to daily life of the injured.

Consulting Professionals Helps in Making the Right Investment Decision
It is always advisable to consult attorneys, accountants and settlement brokers before buying structured settlement. Brokers are considered better consultants than attorneys because of their extensive experience in this field. Since brokers are in contact with the market, they can provide the details of different offers, which may be keenly considered before finalizing a structured settlement investment. You may look into the details of each offer, compare all the terms, and then arrive at a decision. Make sure that your broker offers you proper advice on the current deals in the market, and which deal will suit you the best under the circumstances.

Brokers can also help you sell structured insurance settlements by negotiating with the other party for maximum benefits in the settlement. However, your final step in getting the best deal should include a consultation with an objective party such as a CPA.

If you are looking for periodic payments, mainly for investment purposes, then look for the most beneficial deal that you can lay your hands on. It will help you cover the required expenses for a long time, provided you buy the most ideal structured settlement annuity through an experienced broker. Structured settlement payments are most suitable for minors until they reach the consenting age and are able to handle large sums of money.

Jim Prescott, CPA business consultant for over 30 years specializing in small and medium size businesses that range from closely held to publicly traded companies. Jim is a Partner in CPA firm Prescott Chatellier Fontaine & Wilkinson, LLP that offers audit, accounting, investment advice, tax planning services, estate plans, pension plans consulting and insurance advice.

In addition to the CPA firm's web site Prescott Chatellier Fontaine & Wilkinson, LLP you can find more information and Articles on Cash Settlements at Insurance Settlement Review

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Making Money With Life Settlement Investment

Have you recently heard of a simple way to invest and be sure that you are going to make money? If so, you have probably heard of life settlements. Unlike the stock market this is a type of investment that is sure to be fruitful because it has to deal with death, and death is something that is unavoidable for us all. Buying a life settlement is something that has been done since the 1980's and it is a billion dollar business that is growing by leaps and bounds with each passing year. This is a process that can be attractive not only for the investor, but also the owner of the policy.

The way that this works is simple: people who are terminally ill can choose to sell their life insurance settlements. Selling is perhaps too broad of a term, instead they are finding people who want to invest in their life insurance policy. For instance, if someone who is terminally ill has a one million dollar life insurance policy they can find an investor who is willing to give them $200,000 or $300,000 for their policy. The investor will give the terminally ill individual the $200,000 or $300,000 and then they will be made the beneficiary of the policy.

While this sounds like a big investment to make, it pays for itself. Usually the people who are willing to sell their policies will only live for a matter of months. So, the person who invests gives them the money and then when the ill person passes on the investor will receive the proceeds from the life insurance policy! This is a fast and easy way to make money as in investor and even though they have to put up money to make money, the turn around is quick and in the end they end up making $800,000! You can't argue with making this sort of money over the course of a few months.

Senior settlements are the most typical type that investors will consider. The reason for this is that they are usually much more short term and more reliable on a whole. The only thing that needs to be done is that the senior needs to submit to a medical check up, sign papers acknowledging that they know what they are doing, and then sign the investor on as the beneficiary of their policy. The whole process can be taken care of in a matter of a couple of days and this is why this is seen as a really great way to make money as an investor and also a great way to get the money that you need to get you through until the end of your life.

Caitlina Fuller is a freelance writer. People who are terminally ill can choose to sell their life insurance settlements. Selling is perhaps too broad of a term, instead they are finding people who want to invest in their life insurance policy. Senior settlements are the most typical type that investors will consider. The reason for this is that they are usually much more short term and more reliable on a whole.

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Structured Settlement as an Investment Vehicle

You always hear people talking about the latest investment vehicle they're using. It's water cooler talk, dinner table talk, phone talk, it's everywhere talk. People are always looking for a way to invest their money that might be a little 'different' from what others are doing. Buying a structured settlement is one of those options.

A structured settlement is where one party is awarded an amount of money that is to be paid out over a certain period of time. It is commonly the result of an insurance settlement or a life settlement where the insurance company is required by a judge to pay the victims an amount of money over time. The person who is awarded the settlement then knows they can count on $X.XX per month over the next Y years.

However, often people who are awarded structured settlements don't want to receive the money over Y period of time. They want the money NOW. And why not? Often they can make better use of the money now than they could over 30 years, or sometimes they could better their personal finances right now and forever if they had a lump sum of cash right now for their structured settlement payments.

In comes the investor. As an investor, an alternative vehicle would be to buy someones structured settlement payments. That's right, pay cash for structured settlement payments. For example, Joe is awarded a $500,000 settlement from the insurance company for an auto accident he was involved in. The company is going to pay the $500,000 over the next 10 years, $50,000 each year. However, Joe would be better off if he could just get $150,000 now and let someone else receive the payments over the next 10 years. As an investor, you could do this. Of course, in this case you would have to have $150,000 in cash to buy the payments, but then over the next 10 years you would make 333% return on your initial investment of $150,000. Not bad!

I'm not saying it is an easy process to buy someone's structured settlement payments. The process involves lawyers, insurance companies, and judges, three things people tend to dislike. However, there are companies that can help you. They'll help you find all the resources you need to make a successful investment.

Good Luck

John Jonas
CashStructuredSettlements.com can help you pay cash for structured settlement payments.

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