Recently the life settlement market has seen some positive changes and life settlement brokers certainly do exist. With the recent economic downturn over the last twenty four months the future did not look bright for the life settlement industry or for life settlement brokers the individuals who facilitate the transaction of a consumer (seller) trying to sell unwanted life insurance to an investor (buyer). There were several reasons why the life settlement industry fell on hard times the major reason was the tightening of the credit market which caused a lack of capital for investors to purchase individual life insurance policies. Another negative for the life settlement brokers was the past use of aggressive life expectancy actuarial calculations. Aggressive applies to calculating an early demise on the life insured which would result in a higher rate of return for the investor. Life expectancy calculations became and still reflect a conservative assumption today which translates into a longer life before a death benefit payout which lowers the investor’s rate of return. Recently in 2010 there has been some equilibrium and consumers are again able to sell their unwanted life insurance. If you own life insurance and would like a free policy review to determine the value of this asset please visit our LIVEpdq link for a free quote.