Yoga by the Ocean

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Continuing the Conversation

Carmelo Gagliotti

On 5/19/21 we had with us  Carmelo Gagliotti, Founder, Life Settlement Broker


When life puts you in a financial bind, and you need a LOT of $ for healthcare or another expense, what about Life Insurance Settlements?

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Every Wednesday your Freedom Hub (founded by Jeff Kanter and Charles Frohman) hosts two Zoom calls. One is at 4pm, the other at 7pm. The 4pm call is eclectic (often regarding our liberties…or disappearing liberties) and the 7pm usually is centered around practitioners who use a cash-based practice and what they do. These are recorded and archived. There are over 90 to date!

With the collapse of private long term care insurance and huge gaps in what Medicare covers, retirees face more exposure than ever to bankruptcy from Out of Pocket health costs - like skilled nursing care or chronic treatments.  What do elderly folks do when their bill exceeds what they can afford?


For years Mr. Gagliotti has bought life insurance policies from families who no longer can afford premiums, no longer have a dependent requiring life insurance or face an untenable expense.  The policyholder loses the death benefit, but gains relief from premiums and a substantial "surrender value" that provides needed funds.

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