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What no one tells you about the $3.3 trillion market for Alternative Finance

What no one tells you about the $3.3 trillion market for Alternative Finance

by David Drake Alternative finance is a collaborative funding model that represents the newest phenomenon in funding. With more than 1250 online crowdfunding platforms, alternative financing is breaking new ground, defying conventional financing methods with respect to how businesses raise capital, and taking the world by storm. Though primarily popular for Peer-to-Peer lending and crowdfunding, critical investment banking functions such as risk management, infrastructure and due diligence traverse both online and offline financial services. Some themes that underpin alternative finance include access to asset classes that were initially set aside for  ultra-wealthy investors, and increased transparency, as well as a redefinition of who investors are across the whole spectrum of public and private asset classes. Alternative finance is also characterized by growth in the volume of funding activities within private assets and companies, and an increase in the number of companies that get funded, with target customers participating in product ... Read More »

The Many Faces of Life Insurance

The Many Faces of Life Insurance

By David Drake Many people in the world recognize the importance of having insurance. Today, insurance is not only a way of providing security in times of uncertainties, but it can also be a mode of investment. Life insurance, one form of insurance,  has become more and more popular over the last two decades, due to its savings and investment opportunities. By definition, life insurance is a policy taken against the life of the insured. The owner pays premiums for a specified amount of time. When the insured passes away, a  certain amount is to be paid usually to the family of the deceased. The primary purpose of life insurance is to ensure that family members are financially taken care of after one’s passing. However, today, life insurance has evolved to provide many other benefits. Various life insurance products enable people to accumulate a cash reserve which can be used even ... Read More »

What No One Tells You about Financing Life Insurance Premiums

by David Drake Premium financing, when you borrow money from third party funders to pay for your insurance premiums, has been embraced as an alternative for people seeking to lighten the burden of paying for their life insurance. And while this may seem like a good path to take, many are questioning whether or not it’s worth the hassle, or would it be better to just pay the lump sum for the premium all at once and be done with it? While borrowing costs might be initially low, they will soar with the rising rates, which could leave the premium holder in debt, and with an unpaid life insurance policy.   On the other hand, borrowing money from third parties in order to finance life insurance is always appealing, especially for wealthy people who do not wish to liquidate their assets. Repaying the borrowed funds by  installments may seem like a ... Read More »

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