CSGLifeSettlements.com
 

"Enjoying Retirement to the fullest degree"

                                      Sell your Life Insurance Policy
                                      for Immediate Cash!

 

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Christopher S. Garguilo, MBA, 
NY and VA Licensed Real Estate Broker,
Agent of Life Insurance Settlements.

Enjoy my Video Show.     Music: Beethoven's 6th Symphony

What are Life Settlements?

A Life Settlement is the sale of a life insurance policy to a third party based upon the present value of the net death benefit.  Transactions of this nature have been traditionally performed for the terminally ill.  However, under the certain circumstances, life settlements can be extremely useful for healthy, high-net seniors.

In a typical transaction, an elderly policy holder may sell a term life, whole life, universal life, variable life, or joint/survivorship policy for a percentage of the face value.  This percentage  is based on a projected life expectancy though the policyholder need not be terminally ill.

A life settlement may prove desirable in a number of situations including:

• Under-performing policy
• Policy no longer needed
• Policy too expensive
• Business change or change in tax liability
• Insured needs money to pay mounting medical bills or other debts
• Fund alternative healthcare that insurance will not cover

Contact Information

I work out of two locations.  However, I am in direct contact with both lines at all times. 
I am an independent agent.  Initially, you will not deal with a large corporation transferring
from one department to another--just myself, Christopher Garguilo.

I ask for no up-front fees.  My commission is paid by the purchaser of the policy.  The purchase
price of your policy will not differ if I present your policy for sale to the purchaser or if you went
directly to the purchaser.  In other words, the purchase price will be the same.
 
I have been an Educator for over 20 years with a MBA in Business Management, and a
Real Estate Broker for 14 years.  I am Licensed in New York State and Virginia.

Life Settlement is not for everyone.  Sometimes this choice is quite obvious, sometimes it is not. 
You may feel the necessity to speak to your accountant, financial planner or any other financial
consultant.  I recommend that you do so if you have any concerns.

Virginia Telephone: 757-456-1492 Fax:             757-876-7443 Address: Christopher S. Garguilo, Agent for Life Settlements Virginia and New York Licensed Real Estate Broker, REALTOR® 3 Loch Circle Hampton VA, 23669 Email General Information: Csgarguilo@CSGLifeSettlements.com Webmaster: Csgarguilo@aol.com

Want to learn about a great place to have a second or vacation home?  Or just to move? Click here.

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Send mail to Csgarguilo@CSGLifeSettlements.com with questions or comments about this web site.
Last modified: 09/23/07