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LIFE SETTLEMENT PROVIDES NEW FINANCIAL OPPORTUNITIES TO RETIREES
Rumson Capital LP Offers Qualified Retirees Information and Services to Maximize Assets

Jenkintown, Pa. (September 7, 2005) - An estimated $1.5 trillion of life insurance is surrendered or allowed to lapse each year, according to the American Council of Life Insurers. As today's seniors are redefining retirement by starting another career, moving to a metropolitan area, or building their dream home, they may be surprised to learn that they could be wasting money or not yielding full financial gain from their life insurance policies. In fact, assets that are currently tied up in life insurance policies can be sold to a financial institution or other funding source for more than the cash surrender value of the policy through life settlements. With a typical yield of three to five times more than the cash surrender value of the insurance policy, life settlement grants seniors the resources to enjoy their retirement with new financial freedom.

For example, if Retiree A has no need for his current insurance plan and is looking for options to make better use of his money, his policy could be sold off and the money from the sale could be available for immediate use. Money from life settlements can be used to buy a better performing insurance policy, make other investments, give cash gifts to family members, and donate to charities, among many more options. However spent, the money increases Retiree A's cash flow and provides more financial options.

Through a life settlement, companies such as Rumson Capital LP, are unlocking underperforming assets to help make retirees' wealth work better and harder and, ultimately, optimizing their quality of life. The Rumson Capital professionals have been in the life settlement business from the inception of the industry and have more than 25 years of cumulative experience bringing unsurpassed expertise, industry knowledge and business insight to each settlement while providing clients with accurate and reliable information in a timely manner.

According to A.M. Best Data, some analysts are projecting that the potential life settlement market could exceed $100 billion and the value of life insurance covering seniors is expected to reach $492 billion as the population ages. Not always an option exclusively for retirees, the life settlement industry started in the wake of the HIV/AIDS crisis during the 1980s. Those suffering with the disease were selling their life insurance policies to pay for medical expenses. Today, the industry is two-fold: a life settlement is typically used by seniors over the age of 70 and a viatical settlement, the sale of a life insurance policy of an individual suffering from a terminal illness, is used by an AIDS patient or terminally-ill person with a life expectancy of two years or less.

Rumson Capital recommends life settlement would be an ideal option for individuals who:

• Do not intend to leave an inheritance to beneficiaries or have heirs who have no need for money from a life insurance policy
• Have no need to allocate funds to pay for post-death expenses such as estate taxes
• Have no need to protect a business
• Are over the age of 70 with a life insurance policy of at least $500,000
• Are considering letting their life insurance policy lapse
• No longer have beneficiaries
• Are paying high insurance premiums that no longer justify the value of the policy

Traditionally, life settlement was considered time-consuming and complex. Rumson Capital is setting a new standard and removing the guesswork by having a sophisticated actuarial tool, OptimumLife^SM, which helps customers achieve fast quotes and maximum financial value from a life settlement. Rumson Capital professionals work with advisors by offering full disclosure, paying top commissions and effectively managing policies.

"The business of life settlements can be complex and often misunderstood, so having trust and confidence in the people you work with is very important, " said Todd Shelbaugh, director of insurance services, National Wealth Advisors. "Rumson Capital, with its knowledgeable and experienced staff, is able to provide the service, guidance and the trust needed to succeed in this business like no one else."

"We hold our clients in the highest regard and treat them with respect by always providing fair, accurate and competitive quotes," said Robert Meyer, vice president and general counsel of Rumson Capital. "We adhere to a strict code of conduct that sets us apart from our competitors and takes the life settlement industry to the next level."