 *
Circumstance: $10,000,000.00 policy. Cash surrender value $600,000.00.
Life Settlement Solution: Client received $1,890,000.00.
Used proceeds to purchase a life policy that better suited her current needs.
 *
Circumstance: $2,500,000 second to die policy with a $184,000
cash surrender value. The joint policy was no longer required.
Life Settlement Solution: Received $525,000. Proceeds used
to purchase a $1,500,000 permanent policy for the female.
 *
Circumstance: $3,000,000 policy with small cash value.
Life Settlement Solution: Received $840,000. Purchased an
annuity with the proceeds.
* The above referral fees were negotiated by the referral
agent. Your fee may vary from case to case. You can even pay your
fee directly to the policy owner.
What is a Life Settlement?
A life settlement is the sale of a
life insurance policy that gives a policy owner a cash settlement
in excess of the current cash surrender value. A life settlement
is an innovative wealth and estate planning tool that professional
advisors throughout the country are utilizing to increase their
productivity. Life Settlement transactions may be entered into for
the purpose of funding other valuable financial or insurance products.
Typical Life Settlement "Candidates":
• Change in estate size
• Change in health condition
• Divorce/Bankruptcy/Retirement
• The need to exchange high annual premiums for monthly income
• Premiums no longer affordable
• Selling a business
• Surrendering a policy or one in danger of lapsing
• Change in tax laws
• Need funds for alternative investments
• A family trust has eliminated the need for life coverage
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