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After years of a dealing with a down economy, it may be a great time to make a smart financial move that can help nurture a more prosperous retirement. According to retirement experts at The Lifeline Program, failing to assess your current situation in light of an improved economy would be an error for most investors, homeowners and business owners. If too much of our financial nest egg is tied up in one asset, then we are vulnerable to economic shifts.With life expectancies getting longer and retirement plans strained, consumers may have assets that can work harder if moved and put to work now. Many insurance agents don’t tell their clients that life insurance can be evaluated for possible sale, and the proceeds can be reinvested in other products that build a stronger retirement plan.According to research firm Conning, about $3 billion worth of life insurance is sold into the life settlement market per year, but billions more is allowed to lapse. Unneeded, unwanted or expiring life insurance can often be sold at a sizable profit to the policyholder. The funds, which can sometimes reach the hundreds of thousands of dollars, can then be re-allocated or reinvested to provide for a better retirement.