Some people ask why we charge for consultation. Some reasons:
Our only salable asset is
information. We have information on most companies dating back to the
beginning of this industry.
It takes considerable time, effort, and expense (often at great
risk) to acquire the information we have.
We are not funded nor financed by any entity.
Other than the Web site and library copies of our books, we do not
provide information free of charge (unless you are a viator who has a problem and cannot get help
If your purpose in asking for consultation is to get a
recommendation about a company, please note that we do not endorse nor recommend any
company, and we never have. Some of the reasons:
This is a private industry.
Few, if any, companies are registered with the Securities and
Exchange Commission which does not mean a thing in terms of regulation. It simply means they file certain
required documents which may or may not be factual and truthful. Enron is one example of why SEC
registrations means little.
Some states requires companies to register with a state agency but
that does not equate to being regulated. Regulation is after-the-fact (i.e., shutting down a company after
millions of dollars were stolen from investors).
Since the industry is not regulated, there is little-to-no
disclosure. That means a company can change overnight and no one will be the wiser.
If you think the safest company is one with millions of dollars in
revenue, there are more questions to ask than available answers:
Is this a
billion dollar a year industry? or a ten billion industry? No one knows for sure. Don't believe the press
releases sent out by companies that want your business (your money).
only way to evaluate if an investment is appropriate for you and if a particular company
can be trusted, is to follow the directions and advice in
Viatical & Life Settlements: An Investor's Guide.
In other words, you need far more information than what you receive from sales
agents -- and you need to verify the information.
We assist attorneys who
represent victims of the industry. We have enabled attorneys to establish the statute of limitations for clients'
cases, and educated attorneys so that they were able to protect clients' rights.
If you are represented by an attorney, have him or her contact us directly.
Instructions for applying for fee-based consultation.
The quickest, easiest
way to reach us and get a prompt response is by
you phone, leave a detailed message and please understand that we are a small company and
may not be able to return your call for several days. We regret that we are
unable to return international phone calls.
We do not
buy or sell
viatical or life settlement contracts
Our first two books,
no longer in print
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