- Life InsuranceFounded and owned by Carole S. Fiedler, Innovative Settlements (R) is one of the Nation’s very first companies formed to specialize in life insurance settlements. At this time, we are the only company that, for more than 20 years, has consistently represented the consumer (the policy seller) and never the investors or a provider company. We are completely independent. This means that we are the policy sellers advocate and act as a conduit between the policy seller and the many different provider companies.
- Disability InsuranceIn 1990, following a lifelong dream, Carole moved to San Francisco where she obtained a Life & Disability Insurance license and Securities Series 6 and 63. She then discovered a brand new career and became committed to helping individuals with limited life expectancies access cash from their life policies, an option that did not exist prior to then*. It only took a few weeks before she became passionate about this work (and still is!) After working in this burgeoning field for two years and at the urging of several of her friends who were living with AIDS who had policies they wanted her to sell, Fiedler Financial, a viatical settlements broker, was created in 1994. That led to Fiedler Financial being the first viatical broker in the Nation to obtain a viatical settlement broker’s license!
- AnnuitiesLife Settlement Brokers – Settlement Brokers are specialists who represent policy sellers. Life Settlement brokers are specialists whose sole business is to represent policy sellers in the secondary market. Professional life settlement brokers do not sell other financial products such as LTCi, life insurance, annuities, etc. (see Life Insurance Agent). They gather and analyze required information and submit a complete, properly underwritten case to multiple provider companies. In this way, they create an auction to solicit and obtaining, multiple competitive bids from qualified settlement providers. The settlement broker negotiates the highest offer for the policy seller.