• Settlement proceeds are usually higher than the policy cash surrender value.
• Decline in health has increased medical expenses.
• Health and long term care have become a financial nightmare.
• Fear of leaving family burdened with debt.
• New tax laws or estate changes have made life insurance coverage excessive.
• Alternative funding is needed for more suitable financial products.
• Policy has become too expensive to maintain.
• Lapsing a policy provides no benefit.

 Life Settlements provide the ability to:

• Receive additional funds to compensate for loss of income since retirement.
• Eliminate expensive premiums.
• Relieve overall financial stress.
• Meet day to day financial obligations.
• Preserve a higher quality of living.
• Maintain control of affairs befor passing.
• Observe benefits of asset distribution NOW.
• Afford peace of mind.

There are no out-of-pocket costs paid by the seller, the purchaser pays all transaction fees.  The average time to complete the transaction is 4-6 weeks, depending on responsiveness of physicians and insurance companies to our requests.  Medical records and personal information are kept strictly confidential, provided to licensed purchasing companies to obtain offers on the policy only.  The policy owner is not obligated to sell the policy for any reason, maintaining control even after the FREE APPRAISAL is completed.

Policies That Qualify:

• Whole Life
• Term Life
• Universal Life
• Variable Life
• Key-Man Policies
• Group Life
• Corporate Owned
• Joint Survivorships
• Most others will qualify as well

  Insured's Health Requirements:

• Seniors 65 and older with life expectancies of 10 years or less (Senior Settlement).
• Individuals diagnosed with a chronic or terminal disease any age (Viatical Settlement).
• No additional medical examinations required.

Policy Face Value:

• Seniors - Minimum $50,000 or more (may have multiple policies totalling $50,000 or more).  Consideration may be given for policies under the minimum if the life expectancy is less than 5 years.
• Terminally ill - Minimum $25,000 or more (may have multiple policies totalling $25,000 or more).  Life expectancy less than 5 years.

NOTE:  New issues/wet ink policies are not acceptable for submission.  Policies still in contestable state are not accepted.  Term Conversions - policy must be in-force from original policy date of the Term Product, and not contestable at the date of conversion (many insurance companies overlook this important fact if it is not brought to their attention!).

During the settlement process, our representatives will keep our clients and financial professionals well informed and updated every step of the way.  There are six steps involved in the Settlement process:

• Application and supporting documentation are submitted.
• Medical and insurance records are obtained.
• The underwriting team conducts a review of information to determine eligability.
• We negotiate with multiple funding sources to obtain the highest offer available to our client.  
• Upon acceptance, a purchase and sales contract is completed.
• Policy ownership and beneficiary rights are transferred to the purchaser and funds are then released from escrow to the policy owner/seller.

Our role in all of this is to negotiate with as many qualified and licensed purchasers as possible.  This helps to ensure that a true "fair market value" is paid for each policy.  In this way, only one application is neccessary to obtain multiple purchase offers and obtain the most competetive amounts available.  (If an individual seller works directly with a purchasing company, this may not be the case!)

Perhaps a change in health or financial status has occurred since your original policy purchase.  Or, your policy has become obsolete.  Vanishing premium policies may not have performed as expected; premiums are still required.  The premiums may have become too expensive, or you'd prefer to fund a survivorship policy.  A term policy is approaching termination, and the conversion options may be financially prohibative.  Whatever the reason, you have options, and industry experts to assist you with them.

Our team has helped thousands of Seniors and terminally ill clients nationwide to achieve their personal and financial goals since 1993.  If a settlement can be reached for your life insurance policy, we are the firm to obtain it.  Contact us for your Life Settlement application today.  Once qualification standards are met, you can receive an offer to accept or decline!

Don't lapse, cancel, or surrender your policy before you know its true cash value.  Take advantage of our FREE APPRAISAL now. 

May not be available in all states.