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We are setting up a worldwide network of life insurance evaluators comprised or actuaries and insurance specialists. These professionals share one common belief and goal and it is to help policy owners discover the true value of their insurance which is the Fair Market Value (FMV). What is the difference between an actuary and an insurance specialist? While both are able to evaluate the FMV of a policy such as a regular T100, the actuary will be more mathematically oriented than the insurance specialist and therefore will be able to evaluate more complex cases and products involving many secondary guarantees. The insurance specialist however is more a generalist and will be able to work with the policy owner through the whole process from determining the FMV to selecting the right form of life settlement.

Consumer Advocate

Consumers’ standards are the only standards worth having!!!

We are setting up a worldwide network of specialist because we believe that the field of evaluating life policy should be controlled by rigorous standards to protect the consumers. Our affiliated evaluators have agreed to the following standards:

1) The evaluator will disclose his status and any possible conflicts of interest prior working for a policy owner. An evaluator can call himself independent if he does not do any work for any insurance companies and is not involved directly or indirectly with any third party involved with the purchase or loan on insurance policies. If the evaluator is not independent, he must disclose all of his relationships and potential conflicts of interest prior proceeding with the evaluation of a policy. There are no problems with an evaluator not being independent and doing evaluations. The problem is not letting the policy owner know!

2) The evaluator who is independent will refuse to receive payment or reference fees associated with facilitating any form of life settlements.

3) All evaluators whether they are independent or not will not pay any referral fees to any professionals or include in their billing expenses for the work of other professionals. Insurance agents in particular already receive service commission for servicing the policies they have sold. Part of their service responsibilities is to help their clients with a possible life settlement. Payment of a referral fee to such agent would constitute “double dipping” remuneration and is highly unethical.

Note: if the agent who is responsible for servicing the policy and is not receiving the commission for the service of the policy, the consumer should agree to let this agent bill the insurer and the original agent for their time. Subject to conditions FSCA will be willing to purchase the receivable of the servicing agent and enforce collection procedure against the insurer and the original agent.

4) All evaluators will provide a range of different scenario to the policy owner showing that the FMV is dependent on the selection of certain variables such as interest rate. These scenarios will range from aggressive to conservative. It is ultimately the choice of the consumer to select the scenario

Click to the link below to request that an evaluation be arranged through FSCA
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