REASONS TO CONSIDER A LIFE SETTLEMENT • Policy has not performed as anticipated • Need for cash flow • Beneficiary is now deceased • Premiums too costly • A change in estate size • A desire to purchase a survivorship policy • Changes in Estate Tax laws
If you are over age 70, we can show you how your life insurance policy might pay off now, while you are alive and still here to enjoy it! What’s more, you may be able to sell your policy for considerably more than its cash surrender value.
Busines Changes: • Buy/Sell funding is no longer required • Business is sold • Changes in deferred compensation benefits • Bankruptcy proceedings
C A S E S T U DY INSURED: Type of Policy: Face Amount: Cash Surender Value: Offer price to policy owner: Reason:
81 year old male Universal Life $5,000,000 $0 $860,000 Premiums of in-force policy were expensive and becoming difficult to afford. The insured no longer needed the policy and sold it for a sum worth approximately twice the policy’s cost basis. C A S E S T U DY
For a free, no obligation consultation and policy appraisal, by phone or in person
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