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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
Nomura plans to expand in India, China next year: Report Japanese financial services major Nomura plans to significantly expand its base in India and China next year.
http://economictimes.indiatimes.com/Nomura-plans-to-expand-in-India-China-next-year-Report/articleshow/5319575.cmshttp://economictimes.indiatimes.com/Nomura-plans-to-expand-in-India-China-next-year-Report/articleshow/5319575.cmsWed, 09 Dec 2009 13:58:35 GMTNomura plans to expand in India, China next year: ReportNomura plans to expand in India, China next year: Report KKR lines up Rs 550 cr for Analjit's fund-raiser The KKR investment will be the third fund-raising by Singh?s holding companies in quick succession, taking the total amount raised in the past two months to nearly Rs 1,700 crore.http://economictimes.indiatimes.com/KKR-lines-up-Rs-550-cr-for-Analjits-fund-raiser-/articleshow/5316944.cmshttp://economictimes.indiatimes.com/KKR-lines-up-Rs-550-cr-for-Analjits-fund-raiser-/articleshow/5316944.cmsTue, 08 Dec 2009 20:22:56 GMTKKR lines up Rs 550 cr for Analjit's fund-raiser KKR lines up Rs 550 cr for Analjit's fund-raiser LIC seeks higher interest on NHPC loan The country?s largest insurer, LIC, has sought to raise interest rate on its loan to public sector hydel power generator NHPC. http://economictimes.indiatimes.com/LIC-seeks-higher-interest-on-NHPC-loan/articleshow/5298173.cmshttp://economictimes.indiatimes.com/LIC-seeks-higher-interest-on-NHPC-loan/articleshow/5298173.cmsThu, 03 Dec 2009 20:19:34 GMTLIC seeks higher interest on NHPC loanLIC seeks higher interest on NHPC loan IDBI Bank, Toyota ink MoU for auto finance IDBI Bank and Toyota Kirloskar Motor Pvt Ltd (TKM) today signed a memorandum of understanding (MoU) for providing auto finance to the latter's prospective customers.
http://economictimes.indiatimes.com/IDBI-Bank-Toyota-ink-MoU-for-auto-finance/articleshow/5292990.cmshttp://economictimes.indiatimes.com/IDBI-Bank-Toyota-ink-MoU-for-auto-finance/articleshow/5292990.cmsWed, 02 Dec 2009 14:16:09 GMTIDBI Bank, Toyota ink MoU for auto financeIDBI Bank, Toyota ink MoU for auto finance EPFO may buy long-term govt bonds from secondary markets The retirement fund manager EPFO will soon be allowed to purchase long-term government bonds with maturity of 10 years or more from the secondary market.
http://economictimes.indiatimes.com/EPFO-may-buy-long-term-govt-bonds-from-secondary-markets/articleshow/5292427.cmshttp://economictimes.indiatimes.com/EPFO-may-buy-long-term-govt-bonds-from-secondary-markets/articleshow/5292427.cmsWed, 02 Dec 2009 11:14:44 GMTEPFO may buy long-term govt bonds from secondary marketsEPFO may buy long-term govt bonds from secondary markets Wockhardt wins ICICI backing for liquidation fight with DBS Pharmaceutical company Wockhardt, which is fighting a legal battle with a clutch of foreign banks, which want the troubled drug-maker to be liquidated, on Friday received support from ICICI, India?s largest private sector bank.
http://economictimes.indiatimes.com/Wockhardt-wins-ICICI-backing-for-liquidation-fight-with-DBS/articleshow/5277174.cmshttp://economictimes.indiatimes.com/Wockhardt-wins-ICICI-backing-for-liquidation-fight-with-DBS/articleshow/5277174.cmsFri, 27 Nov 2009 19:48:36 GMTWockhardt wins ICICI backing for liquidation fight with DBSWockhardt wins ICICI backing for liquidation fight with DBS Franklin Templeton to launch new income fund Franklin Templeton Investments (India) is launching a new open-ended income fund that seeks to provide high return and stability of capital. http://economictimes.indiatimes.com/Franklin-Templeton-to-launch-new-income-fund/articleshow/5275766.cmshttp://economictimes.indiatimes.com/Franklin-Templeton-to-launch-new-income-fund/articleshow/5275766.cmsFri, 27 Nov 2009 11:58:31 GMTFranklin Templeton to launch new income fundFranklin Templeton to launch new income fund RBI to ask banks about their exposure in Dubai World The Reserve Bank of India (RBI) will ask Indian banks to furnish details regarding their exposure in the Dubai World, said RBI deputy governor Shyamala Gopinath in Ahmedabad.
http://economictimes.indiatimes.com/RBI-to-ask-banks-about-their-exposure-in-Dubai-World/articleshow/5275673.cmshttp://economictimes.indiatimes.com/RBI-to-ask-banks-about-their-exposure-in-Dubai-World/articleshow/5275673.cmsFri, 27 Nov 2009 11:35:05 GMTRBI to ask banks about their exposure in Dubai WorldRBI to ask banks about their exposure in Dubai World EPFO asks ICICI Pru, SBI to improve returns Unhappy with the performance of ICICI Pru AMC and State Bank of India--two of its two fund managers--during the first half of this fiscal, the EPFO has asked them to submit an action plan on earning better returns.
http://economictimes.indiatimes.com/EPFO-asks-ICICI-Pru-SBI-to-improve-returns/articleshow/5275608.cmshttp://economictimes.indiatimes.com/EPFO-asks-ICICI-Pru-SBI-to-improve-returns/articleshow/5275608.cmsFri, 27 Nov 2009 11:19:12 GMTEPFO asks ICICI Pru, SBI to improve returnsEPFO asks ICICI Pru, SBI to improve returns Reliance Capital plans to take over Indian financial firm Indian financial services firm Reliance Capital said on Friday that it plans to take a majority stake in Mumbai-based Quant Capital Group. Financial details were not disclosed.
http://economictimes.indiatimes.com/Reliance-Capital-plans-to-take-over-Indian-financial-firm/articleshow/5275047.cmshttp://economictimes.indiatimes.com/Reliance-Capital-plans-to-take-over-Indian-financial-firm/articleshow/5275047.cmsFri, 27 Nov 2009 08:03:38 GMTReliance Capital plans to take over Indian financial firmReliance Capital plans to take over Indian financial firm IDBI Bank scraps plan to sell home finance unit State-owned IDBI Bank has scrapped plans to sell its wholly-owned unit IDBI Home Finance, its top official said on Wednesday.
http://economictimes.indiatimes.com/IDBI-Bank-scraps-plan-to-sell-home-finance-unit/articleshow/5268668.cmshttp://economictimes.indiatimes.com/IDBI-Bank-scraps-plan-to-sell-home-finance-unit/articleshow/5268668.cmsWed, 25 Nov 2009 13:39:11 GMTIDBI Bank scraps plan to sell home finance unitIDBI Bank scraps plan to sell home finance unit Authorised capital of PSBs doubled to Rs 3000 crore The government has decided to double the limit of authorized capital in public sector banks to help some lenders which were unable raise capital by selling shares.http://economictimes.indiatimes.com/Authorised-capital-of-PSBs-doubled-to-Rs-3000-crore/articleshow/5265695.cmshttp://economictimes.indiatimes.com/Authorised-capital-of-PSBs-doubled-to-Rs-3000-crore/articleshow/5265695.cmsTue, 24 Nov 2009 22:02:49 GMTAuthorised capital of PSBs doubled to Rs 3000 croreAuthorised capital of PSBs doubled to Rs 3000 crore Hindalco mops up $600 m via QIP Funds from the QIP issue will be utilised to part finance three greenfield projects.http://economictimes.indiatimes.com/Hindalco-mops-up-600-m-via-QIP/articleshow/5265407.cmshttp://economictimes.indiatimes.com/Hindalco-mops-up-600-m-via-QIP/articleshow/5265407.cmsTue, 24 Nov 2009 19:09:35 GMTHindalco mops up $600 m via QIPHindalco mops up $600 m via QIP Vishal Retail to rope in strategic investor Vishal Retail may bring in a strategic investor as part of pre-conditions laid down by banks to restructure its huge borrowings worth Rs 750 crore, a top company executive said on Monday.
http://economictimes.indiatimes.com/Vishal-Retail-to-rope-in-strategic-investor/articleshow/5262591.cmshttp://economictimes.indiatimes.com/Vishal-Retail-to-rope-in-strategic-investor/articleshow/5262591.cmsMon, 23 Nov 2009 19:57:06 GMTVishal Retail to rope in strategic investorVishal Retail to rope in strategic investor Hindalco to raise Rs 2,900 cr to part-fund 3 new projects Hindalco Industries, part of the Aditya Birla group, on Monday initiated the process of raising up to Rs 2,900 crore by selling shares to institutional investors in order to part-finance three greenfield projects.
http://economictimes.indiatimes.com/Hindalco-to-raise-Rs-2900-cr-to-part-fund-3-new-projects/articleshow/5262581.cmshttp://economictimes.indiatimes.com/Hindalco-to-raise-Rs-2900-cr-to-part-fund-3-new-projects/articleshow/5262581.cmsMon, 23 Nov 2009 19:51:21 GMTHindalco to raise Rs 2,900 cr to part-fund 3 new projectsHindalco to raise Rs 2,900 cr to part-fund 3 new projects
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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SupplyLogic and Stonehill College Launch Print Management Portal as Part of Three Year Deal
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