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What Assurances Do I Have?

Admit it, you've always wanted to ask that question

What Assurances Do I Have?

Admit it, you’ve always wanted to ask that question

First, some background:

With a civil law suit judgment, a Court may order a defendant to pay a plaintiff. A Structured Settlement is created by a Life Insurance Company and funded by the defendant in order to satisfy that judgment. Per court order the defendant owes the plaintiff, so the Life Insurance Company makes payments to the plaintiff, on behalf of the defendant, in accordance with the court’s order. Once the payment amounts and dates are established they cannot be changed. We refer to these payments as an Income Stream. These assurances follow the settlement regardless of who it’s paying.

In some cases, the original owner of the Income Stream (the plaintiff in the lawsuit) decides he/she wants the money now and is willing to sell it for a discount. For instance, the total value of the future payments may be $500,000, but the owner is willing to take $250,000 now. In this case, you could buy $500,000 in guaranteed income for a 50% discount. Only by reviewing the offer can you determine if that is a good deal. And, what is a good deal is different for every individual. But regardless of whether or not the deal and payment stream is right for you, the assurances from the original contract carry over to the next owner if the original owner sells the payment stream.

Strong Assurance!

The income stream of a Structured Settlement is underwritten by a Life Insurance Company. That means that it is being backed by the full faith and assets of the Company as well as very high reserve requirements and other features.

Life Insurance companies are, historically, the safest place to keep money in the United States. By law, they are required to maintain what is called “dollar for dollar” reserves. Very simply, the solvency of life insurance companies is critical for national economic security thus, unlike banks, they are required to be both cash and asset rich.

Comparing Life Insurance Company reserves with FDIC reserves is a real eye opener. The FDIC 2013 annual report reveals reserves of .0079 cents for every dollar it promises to insure. On page 103, the Government Accountability Office’s Audit Opinion says that they hope to have reserves of 2 cents per dollar by 2020. Remember, Life and Annuity insurance companies must have one dollar in reserve right now for every dollar they insure.

In addition, the higher rated Life Insurance Companies typically insure their policies with something called reinsurance. This offers policy holders significant additional protection against the possible failure of the company. Reinsurance is simply insurance that insures other insurance policies.

In addition to the protections just described, most states have established a special way to further protect Life Insurance Company policy holders. You can click here to see additional protections provided by your state.

Most state governments seek to keep this information secret. Click here to find how your state demands that insurance agents and companies treat this information. Why this is held in such secrecy I do not know. Needless to say, Life Insurance Company policies are well protected from the default of the insurance company.

The bottom line:

Life insurance companies are historically the safest place to have money. This is why Campbell Financial Corp sells Structured Settlements.

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Keith Donley
Keith Donley
18:25 03 Jun 14
James and I had recently met and had a great conversation. I found his knowledge was vast and comprehensive not to mention his experience in many areas of the financial world. Even though I learned much and gained a new perspective, we both came to the conclusion that it would be better, for my circumstance, that I not use his services at this time. He thought it best for me to continue diversifying into a broader range of vehicles with emphasis on stabilization in the short term. I will touch base with him in the future after my situation smooths out and go from there. I would recommend his services to those seeking a path of safety and security.read more
Ray Barry
Ray Barry
14:21 26 Mar 14
My wife and I met James about 5 years ago at a presentation he gave concerning preserving existing capital in retirement. I was on guard, as usual, but after spending individual time with him I quickly learned of his integrity and sincere caring for prospective investors, and people in general. He spent numerous hours explaining our options, without knowing if we would decide to use any of what he had to offer; he was very patient. James is a professional, competent, and trustworthy friend to this day.read more
Ray Greenway
Ray Greenway
01:35 06 Mar 14
We have known and worked with James for over ten years. He is one of the most conscientious financial planners I have ever met. James is truly interested in helping people with retirement planning. Anyone who works with James can be assured they are working with someone who's integrity is without question and who's primary goal is to help hes clients.read more
Linda Allred
Linda Allred
16:07 25 Feb 14
In the short time that I have known and worked with James, I have found him to be a very conscientious and knowledgeable advisor. He is well informed and honest about his approach. He readily admits what he can and cannot do which is a rare quality these days in the world of financial planning.read more
Jim Thompson
Jim Thompson
22:59 23 Feb 14
I have known James for 9 years now, and his advice has been invaluable! Because of following his wise counsel beforehand, we didn’t lose any money in the great financial crash of 2008. In many other ways James has made money for us, while totally protecting our assets. He always goes the extra mile to listen carefully and then taylor a plan that meets the client’s goals and desires completely. I can’t recommend James highly enough! Jim Thompson/ Flagstaff, AZ read more
Beverly Jopek
Beverly Jopek
20:18 23 Feb 14
I had a retirement account with a large company in Colorado Springs and the company moved several departments out of the U.S. I left the account with them and it was eventually moved to one of the big investment companies. When it was time for me to start taking yearly withdrawals from the account I did not have any success with their representatives. That's then James came into my circle of friends. With his guidance I finally received my investment and with the vast knowledge of James I was able to reinvest this money so there was not a penalty by the IRS. James has not only been my advisor but a true trusted friend and would recommend him to any of my friendsread more
Evelyn Adams
Evelyn Adams
16:14 22 Feb 14
We have had very good advice and tools given to us by James Campbell. He has always been very honest with us in presenting the pros and cons of any financial instrument. James has kept us up to date on plans that he knows are of interest to us and our financial goals.read more
Next Reviews
Campbell
5.0
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Geoff Meiser
Geoff Meiser
2016-08-10T19:53:51+0000
Thank you James for your time and your knowledge. I will be recommending Campbell Financial Corp not only to my friends, but my business associates as well. Dont take my word for it, give them a call.read more
Nathan Yencha
Nathan Yencha
2016-05-23T19:05:17+0000

Now, through Campbell Financial Corp you can purchase fixed income products with safety that is unparalleled in the industry. Many people choose to move their IRAs to self-directed IRAs in order to take advantage of these very reliable products. These are appropriate for your “Must Be Secured” money, the money you CANNOT afford to lose; the money you need for income for the rest of your life. Some of our products are also appropriate for when you'd like to earn higher interest than you would in a savings account or CD, but don't need to access the money within 12 months.

A First Position Commercial Mortgage Note (also known as Secured Bridge Loans) offers 12-month terms with interest rates of 5% to 7% annualized, with other products offering up to 10% annualized interest. If you're looking for retirement income or a high yield safer financial vehicle, this is one of the best options available.

Until recently Structured Settlement Income Streams were only available to institutional investors but now they can be purchased through Campbell Financial Corp. Structured Settlements are one of the best low-risk investments available today and can offer retirement security.

 

Campbell Financial is located at: 350 W. Henrietta Ave Woodland Park, CO 80863

Now, through Campbell Financial Corp you can purchase fixed income products with safety that is unparalleled in the industry. Many people choose to move their IRAs to self-directed IRAs in order to take advantage of these very reliable products. These are appropriate for your “Must Be Secured” money, the money you CANNOT afford to lose; the money you need for income for the rest of your life. Some of our products are also appropriate for when you'd like to earn higher interest than you would in a savings account or CD, but don't need to access the money within 12 months.

A First Position Commercial Mortgage Note (also known as Secured Bridge Loans) offers 12-month terms with interest rates of 5% to 7% annualized, with other products offering up to 10% annualized interest. If you're looking for retirement income or a high yield safer financial vehicle, this is one of the best options available.

Until recently Structured Settlement Income Streams were only available to institutional investors but now they can be purchased through Campbell Financial Corp. Structured Settlements are one of the best low-risk investments available today and can offer retirement security.

Keith Donley
Keith Donley
18:25 03 Jun 14
James and I had recently met and had a great conversation. I found his knowledge was vast and comprehensive not to mention his experience in many areas of the financial world. Even though I learned much and gained a new perspective, we both came to the conclusion that it would be better, for my circumstance, that I not use his services at this time. He thought it best for me to continue diversifying into a broader range of vehicles with emphasis on stabilization in the short term. I will touch base with him in the future after my situation smooths out and go from there. I would recommend his services to those seeking a path of safety and security.read more
Ray Barry
Ray Barry
14:21 26 Mar 14
My wife and I met James about 5 years ago at a presentation he gave concerning preserving existing capital in retirement. I was on guard, as usual, but after spending individual time with him I quickly learned of his integrity and sincere caring for prospective investors, and people in general. He spent numerous hours explaining our options, without knowing if we would decide to use any of what he had to offer; he was very patient. James is a professional, competent, and trustworthy friend to this day.read more
Ray Greenway
Ray Greenway
01:35 06 Mar 14
We have known and worked with James for over ten years. He is one of the most conscientious financial planners I have ever met. James is truly interested in helping people with retirement planning. Anyone who works with James can be assured they are working with someone who's integrity is without question and who's primary goal is to help hes clients.read more
Linda Allred
Linda Allred
16:07 25 Feb 14
In the short time that I have known and worked with James, I have found him to be a very conscientious and knowledgeable advisor. He is well informed and honest about his approach. He readily admits what he can and cannot do which is a rare quality these days in the world of financial planning.read more
Jim Thompson
Jim Thompson
22:59 23 Feb 14
I have known James for 9 years now, and his advice has been invaluable! Because of following his wise counsel beforehand, we didn’t lose any money in the great financial crash of 2008. In many other ways James has made money for us, while totally protecting our assets. He always goes the extra mile to listen carefully and then taylor a plan that meets the client’s goals and desires completely. I can’t recommend James highly enough! Jim Thompson/ Flagstaff, AZ read more
Beverly Jopek
Beverly Jopek
20:18 23 Feb 14
I had a retirement account with a large company in Colorado Springs and the company moved several departments out of the U.S. I left the account with them and it was eventually moved to one of the big investment companies. When it was time for me to start taking yearly withdrawals from the account I did not have any success with their representatives. That's then James came into my circle of friends. With his guidance I finally received my investment and with the vast knowledge of James I was able to reinvest this money so there was not a penalty by the IRS. James has not only been my advisor but a true trusted friend and would recommend him to any of my friendsread more
Evelyn Adams
Evelyn Adams
16:14 22 Feb 14
We have had very good advice and tools given to us by James Campbell. He has always been very honest with us in presenting the pros and cons of any financial instrument. James has kept us up to date on plans that he knows are of interest to us and our financial goals.read more
Next Reviews
Campbell
5.0
powered by Facebook
Geoff Meiser
Geoff Meiser
2016-08-10T19:53:51+0000
Thank you James for your time and your knowledge. I will be recommending Campbell Financial Corp not only to my friends, but my business associates as well. Dont take my word for it, give them a call.read more
Nathan Yencha
Nathan Yencha
2016-05-23T19:05:17+0000

Campbell Financial is located at:
350 W. Henrietta Ave
Woodland Park, CO 80863

Mailing address:
PO Box 5167
Woodland Park, CO 80866

Call us at (719) 687-6220 or email us at Information@CampbellFin.com.