Legal Disclaimer

General Disclaimer

Amrita Financial Inc. is a licensed life settlement broker. The information, materials, and resources provided on this website are intended to educate financial advisors and consumers about the life settlement market. They do not constitute a solicitation or offer to buy or sell any security, insurance product, or investment.

Life settlements are not suitable for everyone. Whether selling a life insurance policy is appropriate depends on the policy owner's individual financial situation, health status, estate planning objectives, insurance needs, and the specific terms of the policy. The decision to sell a life insurance policy should be made only after careful consideration of all available options, including surrendering the policy to the insurance company, exercising policy loans or withdrawals, and maintaining coverage.

Selling a life insurance policy through a life settlement will result in the loss of the death benefit. This may have significant consequences for the policy owner's beneficiaries and estate plan. Policy owners who sell their policies may also lose access to living benefits such as accelerated death benefit riders.

Not Investment Advice

Nothing on this website should be construed as investment advice, financial planning advice, or a recommendation to buy, hold, or sell any financial product or security. Amrita Financial is a life settlement broker, not a registered investment adviser. References to financial advisors, estate planners, or other professionals on this site are for general illustrative purposes only.

Past results or examples of life settlement transactions described on this site are not indicative of future results. Individual outcomes vary significantly based on policy characteristics, market conditions, the insured's age and health, and investor demand at the time of transaction.

No Guarantee of Offers

Submitting information to Amrita Financial — including through our online policy appraisal form — does not guarantee that a settlement offer will be made. Preliminary valuations are estimates only and are subject to change based on full underwriting, medical review, policy documentation, and current market conditions.

A formal life settlement offer requires completion of a full application and submission to one or more institutional buyers. Amrita Financial cannot guarantee the amount, timing, or availability of any offer. All offers are contingent on buyer approval and are subject to expiration.

Results Vary

Any case studies, testimonials, or examples of settlements referenced on this website represent individual experiences and should not be interpreted as typical or guaranteed results. Life settlement values depend on numerous factors unique to each case, including but not limited to: the insured's current and projected health status, life expectancy, policy type, face amount, premium obligations, and prevailing institutional investor demand.

Actual settlement proceeds may be higher or lower than any preliminary estimate provided by Amrita Financial.

Tax and Legal Considerations

Life settlement proceeds may be subject to federal and state income taxes. The tax treatment of life settlement transactions is complex and depends on factors including the policy owner's cost basis, the amount of the settlement proceeds, and applicable state law. Amrita Financial does not provide tax advice.

Policy owners are strongly encouraged to consult a qualified tax professional (CPA or tax attorney) before entering into a life settlement transaction. Tax laws and IRS guidance related to life settlements may change.

Licensing Information

Paul W. Bowen, President of Amrita Financial Inc., is a nationally licensed life settlement broker with over 25 years of experience in the life settlement industry. Amrita Financial holds life settlement broker licenses in states that require them as a condition of conducting life settlement business.

Licensing requirements for life settlements vary by state. In states where a life settlement license is required, Amrita Financial conducts business only as permitted under applicable licensing laws. In states that do not require a separate life settlement license, life settlement transactions may be conducted pursuant to existing insurance licensing authority.

Advisors and consumers are encouraged to verify current licensing status through their state's Department of Insurance or applicable regulatory body.

Website Content and Accuracy

Amrita Financial makes reasonable efforts to ensure that information provided on this website is accurate and current. However, we make no representations or warranties, express or implied, as to the accuracy, completeness, reliability, or timeliness of any information on this site. Life settlement regulations, tax law, and market conditions change frequently, and information on this site may not reflect the most current developments.

Amrita Financial reserves the right to modify, update, or remove content from this website at any time without notice.

Third-Party Information

This website may reference or link to third-party sources, publications, or websites for informational purposes. Amrita Financial does not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party website. Links are provided for convenience only.

Contact

If you have questions about these disclaimers or our services, please contact us: