--- title: What's the Outlook for Life Settlements in 2017? description: As industry experts expect many to place their life insurance policies on the market, learn which factors are influencing life settlements this year. image: https://www.themcgriffalliance.com/hubfs/life%20insurance%20policy.jpg --- [![McGriffAlliance_logo.png](https://www.themcgriffalliance.com/hs-fs/hubfs/images/home_page/McGriffAlliance_logo.png?width=266&name=McGriffAlliance_logo.png "McGriffAlliance_logo.png")](https://www.themcgriffalliance.com) ![bg-img11.jpg](https://www.themcgriffalliance.com/hs-fs/hubfs/images/contact_us/contactus_header2.jpg?width=1500&name=contactus_header2.jpg "bg-img11.jpg") # [What's the Outlook for Life Settlements in 2017?](https://www.themcgriffalliance.com/blog/outlook-for-life-settlements-2017) ![Joel McGriff](https://www.themcgriffalliance.com/hubfs/images/about_us/joel.png) By [Joel McGriff](https://www.themcgriffalliance.com/blog/author/joel-mcgriff) - June 20, 2017 - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Foutlook-for-life-settlements-2017&t=What's%20the%20Outlook%20for%20Life%20Settlements%20in%202017) - [**](https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Foutlook-for-life-settlements-2017&text=:%20As%20industry%20experts%20expect%20many%20to%20place%20their%20life%20insurance%20policies%20on%20the%20market,%20learn%20which%20factors%20are%20influencing%20life%20settlements%20this%20year.) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Foutlook-for-life-settlements-2017&title=What's%20the%20Outlook%20for%20Life%20Settlements%20in%202017?&summary=As%20industry%20experts%20expect%20many%20to%20place%20their%20life%20insurance%20policies%20on%20the%20market,%20learn%20which%20factors%20are%20influencing%20life%20settlements%20this%20year.) - [**](https://plus.google.com/share?url=https%3A%2F%2Fwww.themcgriffalliance.com%2Fblog%2Foutlook-for-life-settlements-2017) ![life insurance policy](https://www.themcgriffalliance.com/hs-fs/hubfs/life%20insurance%20policy.jpg?width=320&name=life%20insurance%20policy.jpg "life insurance policy")Sometimes it all comes down to awareness. If people aren't aware of options, they won't be able to take advantage of them. It's the reason companies spend more than [$200 billion a year](https://www.statista.com/statistics/272314/advertising-spending-in-the-us/) on advertising and branding. Without awareness, many products and services simply cease to exist – at least until someone else comes along and puts some money into marketing. And that's exactly what's happening right now in the [life settlement](https://www.themcgriffalliance.com/blog/lets-talk-about-life-settlements) sector of the investment industry. Over the past few years, the [Life Insurance Settlement Association](http://www.lisa.org/) has been investing time, energy and effort into raising awareness among life insurance policyholders of life settlements. As a result, more people who no longer want or can afford their life insurance policies are putting them on the market. And the results have been a boon for investors – and **industry experts expect great things in 2017.** Here's why: ##### America is aging Right now there are nearly [47 million Americans](http://www.marketwatch.com/story/this-chart-shows-how-fast-america-is-getting-older-and-what-it-means-for-you-2017-05-03) who are 65 and older. By 2060, that number will more than double, according to the U.S. Census Bureau. This means that more and more people every year will be looking for ways to finance their retirements, pay for long-term care and address medical bills – and selling their unwanted or unaffordable life insurance policies will become an attractive option. More policies on the market is good news for investors. ##### It's No Longer Politics as Usual When the Life Insurance Settlement Association held its [Seventh Annual Life Settlement Institutional Investor Conference](https://globenewswire.com/news-release/2017/01/30/912191/0/en/Political-and-Economic-Environments-Favorable-for-Life-Settlement-Industry-According-to-Speakers-at-7th-Annual-Life-Settlement-Institutional-Investor-Conference.html) earlier this year, Preston Rutledge talked about how the new political landscape in Washington, D.C. would affect the life settlement sector. "2017 will be an extremely action-packed year in the U.S. Senate," said Rutledge, who is the tax and benefits counsel on the majority tax staff of the senate finance committee. He went on to say that the current administration, along with the House and Senate, will be looking for ways to pay for healthcare reform, which could include allowing seniors to deposit proceeds from sales of life insurance policies into an HSA on a tax-free basis. If Rutledge is right, more seniors could turn to selling their life insurance policies as a viable way to pay for health care. ##### Taxes You know that the population is aging. You know that more Baby Boomers are turning 71, which puts them squarely in the sweet spot for selling life insurance policies. But did you know that the [estate tax exemption has increased](https://www.forbes.com/forbes/welcome/?toURL=https://www.forbes.com/sites/ashleaebeling/2016/10/25/irs-announces-2017-estate-and-gift-tax-limits-the-11-million-tax-break/&refURL=https://www.google.com/&referrer=https://www.google.com/) to $5,490,000 per person or $10,980,000 per couple – and that it comes with portability this year? This means that many life insurance policies that were purchased to offset estate taxes are no longer needed. These policies will likely be available on the life settlement market in the near future. ##### Regulation In the past, the life settlement industry was not very well regulated. This led many prospective investors to steer clear of the opportunities for fear of running into rogue brokers. But that has all changed. Today, **42 of the country's 50 states** have statutes that closely regulate life settlements. That's good enough to account for 90 percent of the country's population – and it's good news for life insurance policy sellers as well as buyers. Any time an investment opportunity can be presented in a way that is orderly and transparent, both consumers and investors win. ##### Low interest rates The economy is making a comeback. Capital is becoming more readily available for investment. Things are looking good for the American investor. **Unless you're concerned about low interest rates.** Today's low interest rates have investors looking for options that limit their exposure to stock market volatility. Life settlements do that. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/1859948/b6bede28-c658-4da2-9622-88c58c0fbfa1.png)](https://cta-redirect.hubspot.com/cta/redirect/1859948/b6bede28-c658-4da2-9622-88c58c0fbfa1) ## Leave a comment ![bg-img14.jpg](https://www.themcgriffalliance.com/hs-fs/hubfs/images/blog_page/blog-subscribe.jpg?width=750&name=blog-subscribe.jpg "bg-img14.jpg") ## Subscribe to Our Blog Sign up to keep up with our latest updates. ![Joel McGriff](https://www.themcgriffalliance.com/hubfs/images/about_us/joel.png) Written by [Joel McGriff](https://www.themcgriffalliance.com/blog/author/joel-mcgriff) Joel began his financial services career with the Principal Financial Group in Minneapolis. In 1985, Joel moved to Birmingham to build a practice around the many relationships he had developed while growing up in North Alabama. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/1859948/2d74dc3b-c05d-464d-b90e-864bab349306.png)](https://cta-redirect.hubspot.com/cta/redirect/1859948/2d74dc3b-c05d-464d-b90e-864bab349306) ### Posts by Topic - [Prosperity Economics (26)](https://www.themcgriffalliance.com/blog/topic/prosperity-economics) - [Life Settlements (16)](https://www.themcgriffalliance.com/blog/topic/life-settlements) - [Infinite Banking (15)](https://www.themcgriffalliance.com/blog/topic/infinite-banking) - [Alternative Investments (9)](https://www.themcgriffalliance.com/blog/topic/alternative-investments) - [Financial Advice (9)](https://www.themcgriffalliance.com/blog/topic/financial-advice) - [Heritage Planning (9)](https://www.themcgriffalliance.com/blog/topic/heritage-planning) - [Wealth Planning (6)](https://www.themcgriffalliance.com/blog/topic/wealth-planning) - [wealth management (6)](https://www.themcgriffalliance.com/blog/topic/wealth-management) - [Advice (5)](https://www.themcgriffalliance.com/blog/topic/advice) - [retirement planning (5)](https://www.themcgriffalliance.com/blog/topic/retirement-planning) - [debt management (4)](https://www.themcgriffalliance.com/blog/topic/debt-management) - [Life Insurance (3)](https://www.themcgriffalliance.com/blog/topic/life-insurance) - [Longevity in America (3)](https://www.themcgriffalliance.com/blog/topic/longevity-in-america) - [Risk Assessment (3)](https://www.themcgriffalliance.com/blog/topic/risk-assessment) - [Bank (In)Security (2)](https://www.themcgriffalliance.com/blog/topic/bank-insecurity) - [Civil Forfeiture (2)](https://www.themcgriffalliance.com/blog/topic/civil-forfeiture) - [Risk (2)](https://www.themcgriffalliance.com/blog/topic/risk) - [Stock Picking Contests (2)](https://www.themcgriffalliance.com/blog/topic/stock-picking-contests) - [Suze Orman's Advice (2)](https://www.themcgriffalliance.com/blog/topic/suze-ormans-advice) - [multi generational financial planning (2)](https://www.themcgriffalliance.com/blog/topic/multi-generational-financial-planning) - [Are Banks Unsafe? 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