Thursday, April 27, 2006 

Peachtree Settlement Funding Concludes 2006A Securitization of Structured Settlement Receivables

Peachtree Settlement Funding recently concluded its latest term securitization of structured settlement receivables. SunTrust Robinson Humphrey Capital Markets handled the $104 million placement, which was heavily over-subscribed.

Peachtree's Chief Executive Officer, James Terlizzi, commented, "This recent securitization demonstrates the strength of Peachtree's Structured Settlement Division and the investment community's interest in these assets."

Deborah Benaim, Director of Peachtree's Structured Settlement Division, commented, "I am extremely happy with the growth and progress of our Structured Settlement Division, and I am looking forward to its continued success."

Founded in 1996, Peachtree is a leader in the specialty factoring industry. Peachtree acquires a wide-range of financial assets such as Structured Legal Settlements, Lottery Receivables, Life Settlements, Self-Owned Annuities and other types of deferred payment obligations.

This securitization placement, in addition to last year's announcement of $2 billion in committed financing, reflects continued confidence in Peachtree from the capital markets.

About Peachtree

Peach Holdings, Inc. is the parent (holding) company of the Peach group of companies, including, among others, Peachtree Settlement Funding, Peachtree Life Settlements, Peachtree Pre-settlement Funding and Peachtree LBP Finance Company (together, "Peachtree"). Peachtree is a specialty factoring company that purchases high-quality deferred payment obligations. Through its group of affiliated companies, Peachtree caters to people seeking to sell structured legal settlements, annuity payments, lottery prize payments, sweepstakes awards, tobacco payments and life insurance policies. In addition, Peachtree provides cash advances to people with pending personal injury claims. Peachtree has purchased over $2 billion of specialty receivables and continues to expand into new areas by bringing institutional financing and professionalism to bear on underserved markets. For further information you may contact our Public Relations Manager, Greg Meyer, at 866.274.6534 or at Peachtree Settlement Funding's website address is
This press release does not constitute, or form part of, any offer or invitation to sell or issue, or any solicitation of any offer to purchase or subscribe for any securities in any jurisdiction, nor shall this press release or any part of it, or the fact of its distribution, form the basis of, or be relied upon in connection with, or act as an inducement to enter into, any contract or commitment whatsoever. In particular, this release does not constitute an offer of securities for sale in the United States. Securities of the Company may not be offered or sold in the United States absent registration or an exemption from registration.

Forward-Looking Statements

Certain statements contained in this press release, including statements regarding the Company's future structured settlement operations, and other statements contained herein regarding matters that are not historical facts, are "forward-looking" statements. These forward-looking statements can generally be identified as such because the context of the statement will include words such as the Company "believes," "anticipates," "expects," "plans," or "estimates" or words of similar meaning. Similarly, statements that describe future plans, objectives, outlooks, targets or goals are also forward-looking statements. Because such statements are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from those expressed or implied by such forward-looking statements include, but are not limited to, the availability of adequate financing at reasonable terms, the ability of the Company to securitize its financial assets on a timely basis, changes in tax or accounting policies applicable to the Company and its subsidiaries, adverse changes in regulatory or licensing requirements, adverse changes in political, economic or market conditions, increased competition in one or more of the Company's business lines, a loss of business continuity due to severe weather, acts of terror or other catastrophes, the occurrence of material litigation, fluctuations in interest rates, and increasing costs. The forward-looking statements included in this release are only made as of the date of this release, and the Company disclaims any obligation to publicly update such forward-looking statements to reflect subsequent events or circumstances.

Contact:Peachtree Settlement Funding, Boynton Beach
Greg Meyer, 866-274-6534

Source: Peachtree Settlement Funding

Tuesday, April 25, 2006 

Life Settlement: Receive the Highest Payment

A life settlement also known as a life insurance settlement, senior life settlement, or a senior settlement is quickly becoming a beneficial option for senior citizens across the nation. Life settlements allows senior to cash in their life insurance, but in a new way. Instead of cashing in their policy with the original life insurance company, they can work with a life settlement broker to cash in their policy with a financial institution that will pay more than their insurance company’s surrender value.

Seniors nationwide are quickly learning that surrendering their life insurance policy to their insurance company will not always reward them with the highest payment. Many insurance companies offer a low cash value and some policies don’t have cash value at all. Life Settlement brokers and companies have the ability to do a brief analysis to determine if the settlement will be greater than the cash value. Life Settlements also do not require any obligation, costs, medical exams, or hassles. Seniors can find out the true value of their policy through a Life Settlement and do not have commit to selling the policy.

The life settlement broker will take a basic application and then find out the value of the policy, if the life settlement amount is not what the senior expected or is too low, the senior does not have to move forward. There is no risk involved for the senior. Another key benefit for seniors and financial professionals utilizing a life settlement broker is the financial resources. A broker will use a handful of financial institutions and investors to find the highest payment for the policyholder. Brokers will also use the power of negotiations to the net policyholder a higher payment.

A life settlement can be a wonderful financial planning tool. It is however important to take the correct steps to receiving the highest settlement payout. The process can be completed quickly once the initial analysis has been completed on the policy and the policyholder.

Insurance agents, accountants, and financial professionals can also work with a life settlement broker to assist their clients with the process. A financial professional not offering a settlement option to a policy holder who is going to lapse or surrender their policy is not following their fiduciary duties.

Grant Shellhammer is located in sunny Orlando, FL. He is a licensed insurance agent and affliate Life Settlement Broker with Life Settlement Pro. Grant works with senior citizens and financial professionals nationwide to receive the highest available offers for their life insurance policies.



Saturday, April 22, 2006 

Personal Injury Settlement Amounts

The amount of personal injury settlement depends on many factors, and there is no fixed value for any compensation package. The amount settled on depends on factors like age of the claimant, severity of injury, net financial loss, medical expenses incurred, medical prognosis, extent of liability, etc.

There is no minimum or maximum compensation amount limit set by law, since amounts vary greatly from case to case. The following examples give you an idea of the compensation due in cases of personal injury.

A construction company, for example, paid a compensation of $2,000,000, when held liable for the death of a young man caused by unsafe construction. A retail store paid out $1,000,000, when a claimant suffered serious neck injuries when a display fell on her. A nursing home paid $1,000,000 for medical negligence when an Alzheimer’s patient was injured due to the absence of a nurse on duty. Injury due to an automobile accident aggravated a victim’s previous neck injury, and the he was paid $5,000,000 in compensation.

The highest compensation values are given to those plaintiffs who are young and healthy. This is because the jury takes into consideration the financial loss and mental anguish caused to those victims who would, in all probability, have been highly productive had they not been injured or handicapped.
Severity of injury is another factor. A first degree burn which heals quickly and leaves no scars is compensated by a minor amount. But a third degree burn, if spread over 50% of the body, for example, can claim up to $8,00,000, as in a case where a coal mining company was sued when a minor needed an amputation due to the company’s negligence.

Lost wages are also considered when settling such cases. The court takes into account the occupation of the claimant, education levels and future prospects when awarding a compensation amount.

It is also important that the plaintiff come across as someone sincere who genuinely needs help, and not an opportunist just waiting to sue due to financial motives. The personal injury settlement amounts are meant to help those in distress get on with life, and not simply a financial “dole”.

Injury Settlements provides detailed information about injury settlements, burn injury settlements, hydrocodone injury settlements and more. Injury Settlements is affiliated with Debt Settlements.

Friday, April 21, 2006 

Making Backwards Choices

I was reading this past week about a woman who lost 170 lbs in 9 months by eating backwards. She had breakfast for dinner and dinner for breakfast. She lost the weight without leaning on a typical diet plan. Her result, losing 170lbs, has lasted ten years. It’s not so much the weight loss that caught my attention, but the fact that she took responsibility for change in her life.

This now size 1 woman didn’t go on a diet, she made a lifestyle change. Diet is a bad word. It represents a temporary nutritional change that will require sacrifice and results that are often unsatisfactory and short lived. She made up her own solution, and that’s why it worked for her.

Chasing down someone else’s ideas is rarely effective. We are more likely to be successful when it is our own plan.

What is your plan? What do you want to change? If you have been craving something new, different, better, but find yourself mired in the same spot you started in, maybe you would consider making some backwards choices? Identify a few areas in your life you expect something greater that what is right now.

One important place to make changes in your life is in the financial arena. Are you paying yourself first? Preparing for your future? Spending within your means? Our typical mindset is to spend what we have, or more likely, spend more than we have through loans and credit cards. We live paycheck to paycheck because that is the choice we have made.

I encourage us to make some new choices. Take responsibility for where we are, and decide where we want to be. Then all it takes is a plan, a few backwards choices, and watch how quickly we find ourselves in a new and better place.

As a structured settlement recipient, you can make some backwards choices by cashing out your annuity. Instead of waiting for the settlement to pay out over time, you can get the money you want and need sooner. Consider carefully any financial choice you make, and seek expert advice. If you want the best, you have to seek it out. Whether you are trying to lose weight, or regain control of your finances, sometimes making backwards choices can get you going in the right direction.

Jason RiglerFinancial coach for structured settlement recipients and lottery winners.

Thursday, April 20, 2006 

Five things NOT to do when Selling your Structured Settlement

One: Don't sell to the highest bidder. Why?
There is what is called High Balling. Some brokers or structured settlement/annuity sources will make a high offer just to get someone under contract. Then they will start making excuses and reduce the offer. Once you are under contract with a funding source, it is very difficult to back out. Even if you are able to pull out, you will have to start the whole process over again losing valuable time, at a time when you may need money desperately.

  • Two: Believing the funding source when they say you will have your money in a couple of weeks.
    The time to close is dictated by individual state laws, both where the state and the insurance company have their home office and the state where the client resides. In some states, it is possible to close in about a month. In other states, it can take as long as four months. With the rest, it is somewhere in between. Court orders take time and all transactions need one. Don't believe it if someone says they can close in a week or two.

  • Three: Thinking you have to sell the whole settlement or annuity. Not determining how much you really need.
    Why sell a $300,000 settlement when you only need $25,000? If you need additional cash sometime in the future you will be able to sell more payments or lump sums at that time. You will end up with more cash, than if you sell all payments at once; and it allows you options.

  • Four: Letting emotions or being desperate control our decisions.

    We have all gotten excited or felt desperate when faced with various situations. We could be excited about buying a home or starting a new career; or we could be feeling desperate because we are about to lose our home or are facing high medical expenses. Even though we are excited or desperate, we really must think through our decision. Some brokers or funding sources will try to take advantage of us and our situation. We should discuss our situation with a trusted family member, friend, attorney, pastor or whomever. We do not want to ruin tomorrows financial options by making irrational decisions today.

  • Five: Check out the reputation of the structured settlement/annuity purchaser.

    Call the attorney general or consumer affairs in your residence state and the state where your funding source is located to see if there are any complaints about that funding source. If there are a lot of complaints against the source you are considering, take that as a red flag and move onto the next source. Don’t agree to anything or sign any agreements until you feel you are dealing with a reputable structured settlement/annuity purchaser.

      Frank ReCouper has been in the financial services (financial planning) for over 45 years. Buying structured settlement payments for 17 years and can be reached by going to FDR Resources at
    • Wednesday, April 12, 2006 

      Selling a Structured Settlement

      by: David Springer

      With the countless web sites, advertisements, legal jargon and complex issues surrounding structured settlements, it is easy to become overwhelmed and frustrated when you are simply searching for answers and straightforward information. Whether you’ve received a structured settlement already, or if you are just trying to better understand them, you’ve come to the right place for sifting through the messy details.

      What is a structured settlement?

      A structured settlement is a series of guaranteed payments (annuities) made over a certain period of time and is usually the result of an injury settlement or another situation in which you are awarded access to a substantial amount of money. It is the alternative to accepting an upfront lump sum.

      Structured settlements are individualized plans meant to help you cover present and future expenses. Working closely with an experienced attorney can help you to determine an effective structured settlement to give you the security of a fixed income over a set period of time.

      Example – how it might work: Melissa is injured in a serious car accident and is now unable to work for the next year. As a single parent, she has two young children to care for, not to mention her mounting medical expenses. She knows that she has to pay $25,000 in medical bills at the present time, and she knows that she will need surgery in a few months that will cost an additional $20,000. Her structured settlement can be set up to give her a lump sum to pay the present medical expenses right now, and be structured to give her an additional lump sum at the time of her surgery. It can also give her additional monthly payments equal to her salary for the year that she is unable to work, including an additional monthly payment to hire someone to help her care for her children while she is recovering from her injuries and medical procedures. Once Melissa goes back to work, monthly payments might cease or be reduced.

      Types of Structured Settlements

      Designated Period / Period Certain Annuities: Annuities with a designated period of time for the payments to be paid out. They can be made monthly, quarterly, semi-annually, annually, etc.

      Upon your death, all remaining payments are made to you beneficiary.

      Life Annuity: Periodic payments for a guaranteed number of years (based on your life expectancy) or for life, whichever is up first. Again, the beneficiary receives any remaining payments should you die before the full amount is paid.

      Temporary Life Annuity: Pay you for a designated number of years if you are still living, so your annuity ends when you die. There’s no provision for a beneficiary to collect remaining payments.

      Life Contingent Lump Sum: You’ll receive a lump sum, provided you are alive on the due date. If you die before this date, your beneficiary is not entitled to the amount.

      Lump sum: You can set it up to receive the lump sum on a particular date, say, fifteen years from now. Your beneficiary will receive the lump sum on the future date if you have died before then.

      The Details

      Though structured settlements contain a great degree of flexibility during the decision-making process (how much money do I need now, how much money will I need in the future, what are my present needs?), once you agree to the terms and sign the agreement, you can NOT alter the provisions. It is highly recommended that you have an attorney and trusted broker help you to determine the best payment methods for your situation. You might want to ask the broker to come up with several different scenarios and payment schedules so you can get a comprehensive look at your options.

      So, even if your situation changes down the road, your payments will not. That’s why it is extremely important to be thorough and careful when creating your payment schedule.

      Inadequate Payments

      Unfortunately, life has a way of throwing off our well-thought-out and well-intentioned plans. Even if you’ve done all your homework, shopped around for the best broker, interviewed many attorneys and carefully planned an effective payment schedule, you may still incur a large unexpected expense.

      Should this kind of situation arise, and you are strapped for cash, you would love to be able to make some adjustments to your settlement plan. Of course, this is prohibited. But you do have another option. You might consider selling a portion or all of your remaining structured settlement payments to an interested third party.

      Deciding to sell

      Before you decide to sell, think about what you want/need the money for. An immediate medical expense, buying a home or the decision to go back to school are usually considered good reasons. Examine your needs and the needs of your family as well. Perhaps you want a new home. Do you have children approaching college age? If so, you’ll not only incur significant tuition expenses, you’ll also have less of a need for a larger home.

      Selling your payments will result in a loss from the full amount. Consider whether or not it is important for you to sacrifice the security and future total amount before you make a decision.

      You will have to understand the implications, benefits and pitfalls so you can feel comfortable making an informed decision.

      Will I get the full amount that I would receive over a period of time?

      No. The amount you would receive over a period of time is calculated by adding interest to the principal amount. Instead, you may receive the present-day value of the amount. This present-day value may have to be further discounted to cover the costs to do the deal. The rest will be sent to you in one lump sum. You might want to shop around to find out where you can get the best deal.

      Court Order

      To ensure that you will not be taken advantage of in this delicate process, the government introduced a new federal law in 2002 that requires you to seek court approval when you sell your structured settlement. This law works in conjunction with state laws to direct how the transaction will be completed.

      Not only does this law protect you, the seller, it also helps the insurance companies who fear that they will face tax consequences as a result of the sale. The law states very clearly that annuity owners and providers do not and will not owe taxes as a result of this transaction. This breaks down the barrier that you might normally face from a reluctant insurance company.

      Selling Options

      You do not have to sell the entire remaining amount, or any particular amount, if you so wish.

      Here are your selling options:

      Full amount: The purchaser calculates the present-day value of the payments and offers a lump sum

      Part of the payments: Only a specific number of the future payments are sold at their present-day value

      Percentages: You may sell a percentage of each payment and keep the remaining balance for yourself

      Pitfalls of Selling

      Shady brokers. Selling your payments will require you to contact a broker who can help take care of the proceedings. This means that you might run into some game-playing and/or manipulation tactics if you happen to be dealing with a shady broker. They may promise you a high quote, only to come back and say that they can’t do the deal as is unless they get more money from you. Other brokers may claim to be “qualified” when they have only completed a week-long course. Make sure you’re dealing with a broker who has a couple of years experience in structured settlements and is a member of the Better Business Bureau.

      You end up losing money. As mentioned earlier, you will not receive the total amount you’d receive over time if you opt for selling your payments. Therefore you lose some money and the security of future payments.

      It takes time. Though the federal law requiring court oversight in these proceedings helps protect you, it also delays you from receiving the money as soon as you might have hoped. If you need the money right away, this could frustrate you and hinder your plans for prompt payment. Normally once you decide to sell your payments the process can take as little as 4 weeks and as long as 12 weeks to obtain the court order and for you to receive your lump sum.

      Benefits of Selling

      The main benefit of selling your structured settlement payments is, obviously, that you will receive a lump sum of cash for which you can utilize in any way you choose. This gives you increased flexibility in using your money, and can provide peace of mind if you have an immediate expense that couldn’t be paid any other way.

      About The Author

      David Springer is a consultant for Sovereign Funding Group ( Sovereign Funding Group is an experienced, reputable company that offers convenient, no-risk services to help you with the selling of your deferred payments and business financing.

      Tuesday, April 11, 2006 

      Injury Settlements

      If you have been unfortunate enough to be a victim of an injury or accident, you can claim your injury settlement to be paid to you as lump sum amount or in installments distributed over a period of time. The best thing for you to do is to consult a personal injury attorney to decide upon which option you choose.

      One parameter for deciding between the two is the level of injury inflicted. If the injury is minor, the best thing to do is to opt for a lump sum amount. But, if the injury is serious in nature and requires treatment with considerable medical expenses, it is better to opt for the increasingly popular structured settlement. Most structured settlements come are paid as annuities sold by third parties, usually insurance agencies.

      The benefit of taking structured settlements is they are tax free both at the state and federal level. When compared to taking a lump sum, you will find that while the sum is tax free, the income accrued from its investment-interest and dividends is not. With structured payments, the principal and any money earned from it is tax-free.

      Structured settlements, though risk free come with a flip side. Once you sign on the dotted line, you cannot change your decision. You cannot change either the amount or frequency of payment, and the payment schedule is not flexible.

      Also keep in mind that structured settlements do have a certain amount of risk involved with them. The best way to cushion the risk factors is that you must place the installments in protective accounts like custodial accounts.

      Settlements provides detailed information about settlements, debt settlements, injury settlements and more. Settlements is affiliated with Personal Injury Settlements.

      Thursday, April 06, 2006 

      Senior Life Settlement Providers: A Guide

      There are several financial institutions that provide Senior Life Settlements. They purchase an existing policy from a senior policyholder and try to sell it to a buyer, who will be responsible for the policy premiums from that time forward. Such companies charge their fees as brokerages on the face value of the policy held.

      To be eligible for services from a settlement provider, the policyholder must be above 65 years of age and must have a minimum amount of policy face value. This minimum amount varies from company to company. Also, by the time at which the policyholder approaches the provider the policy must have crossed the contestability period, which is generally two years from the date the policy is taken.

      The process of Senior Life Settlement is a fairly easy one. The settlement provider makes the policyholder fill out a form. There are medical examinations (though some companies waive the medical examination). Then, a suitable amount is quoted to the policyholder. This amount is higher than the surrender value of the policy from the parent company. If that is acceptable, then the settlement provider holds the policy and collects its premiums into an escrow account.

      The second part of the responsibility of the provider is to scout for a suitable buyer. Bids from buyers are invited. The lowest possible bid is chosen, so that the settlement provider stands to make a larger profit. Once the buyer is selected, the policy is transferred into their name and the necessary documentation is completed with the company that provided the policy in the first place.

      Companies that provide Senior Life Settlements also provide viatical settlements. These two settlement procedures usually go hand in hand and are often confused with each other. In fact, the Senior Life Settlement industry is an offshoot of the viatical settlement industry, which has been around for several years.

      Most settlement providers were earlier life insurance agents. This helps their job, as they are acquainted with both the policyholder and the company issuing the policy. Many providers are still performing the jobs of policy agents. Even during settlements, they may either work independently or work in association with policy agents, who know their clients better.

      Senior Settlements provides detailed information about senior settlements, senior life settlements, senior life settlement providers, licensed senior settlement company and more. Senior Settlements is the sister site of Cash For Annuities Info.

      Wednesday, April 05, 2006 

      Licensed Senior Settlement Company

      A Senior Settlement Company is an establishment that buys unwanted policies from senior citizens and sells them off to other interested parties. The company becomes liable for all further premiums on the policy and its benefits, once the policy is bought by it from the original policyholder. The responsibilities of Senior Settlement Companies include buying the policy from the senior policyholder, customizing it according to present-day requirements, introducing it to interested parties and inviting bids, selling it to the highest bidder and compensating the original policyholder a lump sum amount in cash. These companies also maintain the current funds of the policyholder in an escrow account till such time as the policy is sold to someone else.

      Senior Settlement Companies need to be licensed by the Departments of Insurance in their operating states. This license is for a fixed amount of years, after which it is to be renewed.

      Acquiring a license means that the company will abide by the rules of the National Association of Insurance Commissioners and its Viatical Settlement Act of 2001. Though the act concerns viatical settlements, several of its clauses can be projected into the Senior Settlement Company scenario.

      People feel safer when they deal with licensed Senior Settlement Companies. There is almost no chance of fraud, which can occur when the policy is sold to some other party but there is cheating in the payment of the lump sum amount. The license requirements have become stricter in the wake of senior settlement scams that have cropped up in the last decade.

      Licensed companies all over the country adopt uniformity in their modus operandi. Their calculations conform to national standards and approximations. Hence, there doesn’t arise any question of negotiations. Also, licensed companies have contacts with more serious buyers, which make more genuine bids available to the policyholder.

      Yet there are several unlicensed companies operating within the state. Policyholders are advised to deal with them at their own risk. Several unlicensed companies close shop when their business dwindles, leaving their senior clients in the lurch. Hence, it is very important to ascertain whether the settlement company has a license from the Department of Insurance before approaching it with policy settlement problems.

      Senior Settlements provides detailed information about senior settlements, senior life settlements, senior life settlement providers, licensed senior settlement company and more.

      Senior Settlements is the sister site of Cash For Annuities Info.

      Saturday, April 01, 2006 

      Senior Life Settlements: An Introduction

      A Senior Life Settlement means the sale of an insurance policy to a third party at a value less than the face value of the policy. The buyer of the policy is liable to pay all future premiums on the policy, while the original holder of the policy gets a lump sum in cash. This lump sum is an amount that exceeds the cash value of the policy accrued till that date.

      Senior Life Settlement is opted for by senior people (above the age of 65 years) who do not have any further intention of maintaining their policy premiums. Once they communicate with a life settlement provider regarding their policy settlement, the provider buys the policy from them and collects their premiums in an escrow account. As soon as a buyer is available, the policyholder stops paying the premium and the new buyer continues from that point on. The accumulated amount till that date, along with all applicable interests, is given to the original senior policyholder.

      People usually take policies in their younger days when they are building homes and expanding their policies. The express purpose of holding a policy is to create security in the unfortunate circumstance of a person’s demise. However, when people reach old age, they no longer have the obligations they had in their younger days. They also may not be able to pay future insurance premiums due to retirement or some other reason. Naturally, it makes sense to settle the policy rather than to allow it lapse. This realization is compelling several senior citizens today to get their policies settled.

      Elderly people who wish to explore new cost-effective avenues like higher paying policies or care insurance policies may also opt to settle their old policies. Another reason may be an urgent need for funds to start some profitable enterprise.

      Senior Life Settlements are often confused with viatical settlements. Viatical settlements are provided to terminally ill people, regardless of age. To be qualified for a viatical settlement, the person must have a life expectancy of less than two years from that point on. But Senior Life Settlements are provided to anybody over the age of 65 years. Their life expectancies could be 10 to 15 years, depending on the policy of the company. Senior Life Settlements also require a minimum amount on the face value of the policy held, which again differs from company to company. Also, the policy must be more matured than the contestability period, which is often two years from the date the policy is made.

      Senior Settlements provides detailed information about senior settlements, senior life settlements, senior life settlement providers, licensed senior settlement company and more. Senior Settlements is the sister site of Cash For Annuities Info.

      About me

      • I'm The Structured Guy
      • From Mandeville, Manchester, Jamaica
      • A writer and web designer who has a profound interest in numerous topics and likes to share them with others
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