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Viatical Quotes By Robert Lawrence
The word ‘viatical’ originates from the word ‘viaticum’ which was part of the last rites performed on a dying Catholic in order to prepare him for his destiny. History shows us that its early beginnings can also be found in Greece.
Viatical settlements are offered by dozens of companies around the world. Why? To aid senior citizens (viators) in their poor financial situation. Viatical settlements provide a way out of crisis scenarios by giving terminally or chronically ill patients the option of selling their life policy for a premium amount. Naturally, the higher the bid, the more profit you make. Although this form of instant cash has a sad tone, it has been highly beneficial to people who have high medical bills and other critical emergencies. If your policy is a Term, Universal Life, Whole Life, Joint/Survivor or a Group contract, then the good news is that you are eligible for a viatical quote.
The person who buys the policy is called an investor. An investor can be the final third party who is interested in the policy or a viatical company that holds it as an investment. If it is a company that is buying the policy they can resell it at a profit. When buying a life policy of another person you to have complete knowledge of the viator’s medical history. You can either buy the whole policy or a part of it. Usually a policy will state the life expectancy of the individual because the quote will depend on how long the seller is expected to live. Once you buy the policy, you gain if the seller dies before the expectancy date but your return will be lower if he lives longer. In some cases you might loose a little form your principal amount if the seller lives a long life!
Due to this risk factor, viatical
Galleon-accused Deep Shah holed up in Mumbai The Federal Bureau of Investigation (FBI) is on the look out for former Moody?s analyst Deep Shah, who is now holed up at an undisclosed location in Mumbai, for passing on price-sensitive inside information to Galleon hedge fund controlled by Raj Rajaratnam. http://economictimes.indiatimes.com/Galleon-accused-Deep-Shah-holed-up-in-Mumbai/articleshow/5205100.cmshttp://economictimes.indiatimes.com/Galleon-accused-Deep-Shah-holed-up-in-Mumbai/articleshow/5205100.cmsFri, 06 Nov 2009 21:21:05 GMTGalleon-accused Deep Shah holed up in MumbaiGalleon-accused Deep Shah holed up in Mumbai Dalmia, Indiabulls eye out-of-court settlement Delhi-based industrialist Sanjay Dalmia is in talks with Indiabulls Financial Services to amicably resolve the dispute over his alleged attempt to dupe the Mumbai-based firm to the tune of few hundred crores by mortgaging bogus property documents. http://economictimes.indiatimes.com/Dalmia-Indiabulls-eye-out-of-court-settlement/articleshow/5205088.cmshttp://economictimes.indiatimes.com/Dalmia-Indiabulls-eye-out-of-court-settlement/articleshow/5205088.cmsFri, 06 Nov 2009 21:13:42 GMTDalmia, Indiabulls eye out-of-court settlementDalmia, Indiabulls eye out-of-court settlement NHAI likely to get $400 mn loan from ADB next month The National Highways Authority of India today said it is negotiating with the Asian Development Bank for a $400-million (about Rs 1,800 crore) loan, and the deal may get through by the next month.http://economictimes.indiatimes.com/NHAI-likely-to-get-400-mn-loan-from-ADB-next-month/articleshow/5203324.cmshttp://economictimes.indiatimes.com/NHAI-likely-to-get-400-mn-loan-from-ADB-next-month/articleshow/5203324.cmsFri, 06 Nov 2009 10:45:00 GMTNHAI likely to get $400 mn loan from ADB next monthNHAI likely to get $400 mn loan from ADB next month Textiles Ministry needs Rs 1,884 cr to clear TUFS dues To clear the subsidy till December 2009, Rs 1,884 crore at revised estimates of 2009-10 will be required.http://economictimes.indiatimes.com/Textiles-Ministry-needs-Rs-1884-cr-to-clear-TUFS-dues/articleshow/5202927.cmshttp://economictimes.indiatimes.com/Textiles-Ministry-needs-Rs-1884-cr-to-clear-TUFS-dues/articleshow/5202927.cmsFri, 06 Nov 2009 09:07:24 GMTTextiles Ministry needs Rs 1,884 cr to clear TUFS duesTextiles Ministry needs Rs 1,884 cr to clear TUFS dues MasterCard eyes $50 bn inward remittance market Mastercard is scouting for new opportunities in India. The payments company is eyeing the $50-billion inward remittance market and is also registering its presence in mobile banking.
http://economictimes.indiatimes.com/MasterCard-eyes-50-bn-inward-remittance-market/articleshow/5201705.cmshttp://economictimes.indiatimes.com/MasterCard-eyes-50-bn-inward-remittance-market/articleshow/5201705.cmsThu, 05 Nov 2009 23:10:04 GMTMasterCard eyes $50 bn inward remittance marketMasterCard eyes $50 bn inward remittance market Axis cuts first-year home loan rate to 8% In a bid to grab market share, Axis Bank has dropped its home loan rates to 8% for the first year.
http://economictimes.indiatimes.com/Axis-cuts-first-year-home-loan-rate-to-8/articleshow/5201556.cmshttp://economictimes.indiatimes.com/Axis-cuts-first-year-home-loan-rate-to-8/articleshow/5201556.cmsThu, 05 Nov 2009 20:12:13 GMTAxis cuts first-year home loan rate to 8%Axis cuts first-year home loan rate to 8% Burden of bad loans gets lighter The incremental non-performing assets (NPAs) or bad loans of the top 10 banks have come down in the first half of this fiscal compared to the year-ago period.
http://economictimes.indiatimes.com/Burden-of-bad-loans-gets-lighter/articleshow/5201533.cmshttp://economictimes.indiatimes.com/Burden-of-bad-loans-gets-lighter/articleshow/5201533.cmsThu, 05 Nov 2009 20:01:32 GMTBurden of bad loans gets lighterBurden of bad loans gets lighter TVS Shriram fund buys 25% stake in Landmark Chennai-based PE fund TVS Shriram Growth Fund will buy around 25% stake in book and music retail chain Landmark, a closely-held subsidiary of Tata's Trent, for Rs 65 crore.
http://economictimes.indiatimes.com/TVS-Shriram-fund-buys-25-stake-in-Landmark/articleshow/5198194.cmshttp://economictimes.indiatimes.com/TVS-Shriram-fund-buys-25-stake-in-Landmark/articleshow/5198194.cmsWed, 04 Nov 2009 22:47:48 GMTTVS Shriram fund buys 25% stake in LandmarkTVS Shriram fund buys 25% stake in Landmark
settlements and quotes need to be regularized and controlled. Thus, the State Commission gives out licenses to selected companies who are capable of handling this intricate business. However, in some US states the viatical industry is not regulated at all. Companies often buy the policies and then offer it to prospective buyers at higher rates. The National Association of Commissioners and Federal Trade Commission are two legal bodies that offer information with regard to viatical quotes and settlements.
If you are a Viator, then you have two choices. Either to can sell your life policy directly to another person or you can use the services of a broker. Viators generally hire a broker because they know the market and can negotiate for a better viatical quote. The quote depends of many variables such as the state, age and medical condition of the viator. Prior to suggesting a bid, the investor, broker and viator will meet to highlight details of the case. The investor will want to know the medical prognosis so he can offer a more realistic quote. Once the quote has been offered and the bid accepted, the life policy is transferred to the new holder. This completes the process and the viator is given a lump sum payment.
In conclusion, viatical quotes will differ from state to state and can be settled upon only after reviewing all the factors involved in the case. The viator and the investor have to come to an agreement is which mutually beneficial. While being a perfect avenue for the viator, he should also be wise to make sure the sale is worth his while.
Robert co-founded Insurance4USA.com, an quote shopping service - http://www.insurance4usa.com , in 1999. He has been a licensed agent in New York State since 1990.
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Leviathan Security Group, Inc. Educates, Assesses and Remediates Vulnerability in SSL/TLS
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