About Reverse-Life Insurance® > Refinance Your Life Insurance
Refinance Your Life Insurance Policy Premium
As we age,our priorities change. It s a fact of life. But it s also true that our financial situation changes and that s something we all need to be aware of.
Why have life insurance? When we are young we buy life insurance to protect our families in case something bad happens. When we are older, we may not need that same protection anymore, or perhaps not as much. At the same time, we may experience a need for more income or reduced expenses in the present. In those situations, Christian Stanley can help. We call it "Refinancing Your Life Insurance".
Benefits of Changing Coverage Christian Stanley has engineered a series of transactions that enable you to Refinance Your Life Insurance Policy. Our risk managers will develop a unique structure that may reduce your insurance premium payments by 25%-33%.
In the structure, funds from a standard life settlement are put into a single premium immediate annuity (SPIA), covered call portfolio, or any number of interest bearing asset types.
Falling Insurance Costs Taking advantage of the falling cost of insurance coverage over the last decade, we will replace an expensive life insurance policy with one that is optimized (less expensive), while using interest from the principal earned through the aforementioned life settlement transaction to subsidize life insurance premium payments.
Policy Types All types of policies qualify for review and our team will be pleased to investigate your unique situation. Christian Stanley is the first firm in the United States to develop the refinance structure. Using the infrastructure and capabilities of our Structured Portfolio Management Group, we develop new solutions and opportunities for you, the client. It s really a win-win situation all the way around.
