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Are your life insurance premiums too expensive?
Could you use a cash settlement right now?
Do you have more life insurance coverage than you need?
Are you over 65 with serious health problems?
Or are you in reasonable health and over 80?
Are you over 21 with a life-threatening illness?

If so, we can help you get a cash settlement for your life insurance and at the same time eliminate your expensive monthly premiums. Whether you need immediate cash to enjoy the rest of your life, or to deal with medical expenses or long term health care, we can help. We'll show you how to quickly sell your life insurance policy with no stress and no obligation. Don't continue to pay expensive premiums for coverage you no longer need, and don't surrender the policy or let it lapse without calling us first.


•Case History (back to top)
Case History 1
Client: 87 year old male & 82 year old female.
Result: $2,300,000 second to die policy with no cash value. The policy was no longer required and was going to lapse. Insureds sold the policy and received $300,000.00.


Case History 2
Client: 70 year old male in with some health problems.
Result: $1,000,000.00 policy with small cash value. Insured sold the policy and received $120,000.


Case History 3
Client: 83-year-old female in relatively poor health.
Result: $4,000,000.00 policy with an annual premium of $168,000.00. Insured received $1,360,000.00.


Case History 4
Client: 76-year-old male with some health problems.
Result: $1,700,000 policy about to lapse. The owner could not afford to keep the policy in force and received $275,000.


Case History 5
Client: 81-year-old male in relatively good health.
Result: $1,605,000.00 policy with an annual premium of $76,000.00. Insured sold the policy for $202,800.00.


Case History 6
Client: 78-year-old female in relatively good health.
Result: $1,000,000.00 policy with an annual premium of $84,000.00. Insured sold the policy for $160,000.00.


Case History 7
Client: 92-year-old female in relatively poor health.
Result: $2,000,000.00 policy with an annual premium of $110,000.00. Policy expires at age 95. Insured sold the policy for $325,000.00.


Case History 8
Client: 73-year-old male with health issues.
Result: $500,000.00 policy. Insured sold the policy for $105,000.00.


•Typical Candidate (back to top)
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.


•WHY WOULD SENIORS DO THIS? (back to top)
Whether you call it a Life Settlement, Lifetime Settlement, or High Net Worth Transaction, Life Settlements have become a dynamic option, revolutionizing how financial planners and advisors can maximize their senior client’s financial planning strategies.

By liquidating a policy for amounts higher than any cash surrender value, policy owners can initiate important financial opportunities with a cash infusion from the proceeds of an unwanted, unaffordable or unnecessary life insurance policy. Changes in your senior client’s lives and circumstances can easily reduce or eliminate their needs for an existing life policy! What was once a sound and essential asset can often evolve into an unneeded expense---even a burdensome liability.

With current economic conditions created by stock market declines, combined with poor retirement fund performances, this option offering amounts greater than current cash surrender value for policies no longer relevant to someone’s current needs has strong appeal!

The financial planning industry has a fiduciary responsibility to inform their clients of the potential advantages of all financial products, even a non-performing off balance sheet asset (especially if policy contains no cash surrender value). The sale of an existing life insurance policy at a discount from the face value transforms what is often seen as a future asset into a resource that should be valuated and managed as part of an overall financial plan.


•Benefits to the Insured (back to top)

Get higher cash payout than cash (or no) surrender value

Recast their financials with bottom line profit from a NON PERFORMING asset

Alternative funding for LTC policies, annuities or other investments

Additional funds to supplement retirement income and improve their position

Funds to replenish monies lost in Stock market or diminished dividend returns from 11 rate cuts in 2001

Funds to seek treatments NOT COVERED by health insurance

Relief of monthly premium expenses (recaptured premium payments/outflow are also pure bottom line dollars to the insured’s financials).

It makes more sense from an estate planning perspective to sell a single life policy and buy a survivorship (2nd to die) policy for less money and/or more coverage

Fund a Charitable Trust of Gift

Fund a Revised Estate Plan or pay gift taxes


We are Life Settlement Brokers, and will submit your information to dozens of investors to get you the highest cash settlement available. There is no cost for you to get a quote.



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