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There has been much debate recently over the subject of credit cards, and whether lending companies should be more selective as to whom they grant credit to. The dire state of thousands of Brits’ bank accounts would likely support the theory that many people are too quick to borrow and spend money that they later find they can’t afford to pay back.

Few could disagree that credit cards should be used more carefully. Although being in debt has almost become the accepted norm, is doesn’t mean it’s something to be taken lightly. However, that being said, there’s no denying that when used responsibly, a credit card is a very useful tool.

Perhaps the most attractive aspect of using a credit card is not the ability to buy now and pay later, but the protection it offers the buyer. Goods bought with a credit card are normally insured for a period of a month of two, and may also cover losses or accidental damage. So, if for example you were to purchase a new DVD player that was faulty, the purchase would be insured by the credit card company and you could get a refund.

This can also apply if goods or services were not received. For example, if you bought something online, which you never received, you could contact the credit card company and dispute the purchase. If deemed a legitimate claim, you would not have to pay for the goods.

Credit cards are also very useful in times of emergency, and have saved many people’s skin, when in a tight spot. For example if a relative living abroad suddenly falls ill, and a flight is needed quickly, a credit card can be a saviour.

The important thing to remember with a credit card is that it’s not a source of “free money”. Far from it; borrowing on a credit card is one of the most expensive ways to get credit, and with this in mind you should think very carefully about what you buy, whether you actually need something (or just want it), and how long it will take you to repay your debt.

Remember, credit card companies make their money from people who are continually in a state of debt, but can pay back the minimum monthly repayments. So if you want to use a credit card to your advantage rather than just line the lender’s pockets, make sure you pay off the card in full every month, and don’t borrow more than you need.

As an experienced professional in life insurance settlements, I talk to seniors and financial planner everyday providing advice on the best ways to maximize the profit on the sale of their life insurance policy.

For an overview of Senior Life Insurance Settlements see the bottom of this article.

Of course, I consistently find that there are two basic goals of any senior seeking a life insurance settlement. One, they want to be assured of a safe and secure transaction and two, they are trying to achieve the highest possible dollar value for their life insurance policy. To achieve the goal in point number one, I would insure that the broker was licensed in my state. For licensing information you can contact your local Department of Insurance. And to insure the highest settlement value, I would be certain to use the services on more than one broker and. You should start search by contacting at least 5 life settlement brokers, and narrow down you selection to 2 or 3. For a list of these you can contact the Life Insurance Settlement Association.

Some important questions I would ask when you interview life settlement brokers:

Are you licensed in my state?
How long as your company been in business?
How many life settlement cases do you close in a year?
What steps will you take to process and market my case?
What is your commission?
Will all commissions be disclosed at closing

What is a Life Settlement?
A Life Settlement is a cash payment in exchange for an existing life insurance policy, with payment in excess of the Cash Surrender Value. The purchaser takes owner policy ownership and pays all future premiums. For example, a senior owns a $1,000,000 life insurance policy with a Cash Surrender Value (CSV) of $75,000. The CSV is the amount the insurance carrier will pay on a surrendered policy. If eligible, the policy can be sold in exchange for a higher amount (i.e. a Life Settlement) on the open market. The open market is also referred to as the secondary life insurance market, where qualified funding institutions purchase policies in exchange for the beneficiary assignment. On average, a Life Settlement will pay 2 to 5 times more than the CSV. To insure that a policy receives the highest bids possible, it is important that a Life Settlement application is exposed to all institutional funders. A policy without a cash surrender value can also qualify for a Life Settlement. Many factors determine eligibility Life Insurance Settlement , which are discussed in detail at aimsettlemens.com

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