Meeting Life’s Changing Needs
In a Smart New Way
There are a number of good reasons
for a policyholder to consider a Life
Settlement:
• Surrendering or lapsing a
policy is in question
• Insurance needs have changed
• Beneficiaries have been outlived
• Premiums have become
unaffordable
• The insured needs new life
insurance, an annuity or long-term
care coverage
• Estate taxes are changing
Reasons to Consider a Life Settlement
Meeting Life’s Changing Needs In a Smart New Way
There are a number of good reasons for a policyholder to consider a Life Settlement:
• Surrendering or lapsing a policy is in question
• Insurance needs have changed
• Beneficiaries have been outlived
• Premiums have become unaffordable
• The insured needs new life insurance, an annuity or long-term care coverage
• Estate taxes are changing
Benefits of Life Settlements
The Potential Benefits Are Wide-Ranging
For the policyholder, a Life Settlement has the potential to:
• Provide multiples of the stated-policy cash surrender value
• Allow for the purchase of a less expensive single life, survivorship, annuity or long term care policy
• Generate cash for an emergency or other imperative reason
• Make available funds for the potential enrichment of one’s financial portfolio and well-being – to capitalize on new investment opportunities
• Gain greater peace-of-mind knowing that further premiums need not be paid by the policyholder on an insurance policy that no longer serves one’s needs
For a business holding a policy, a Life Settlement has the potential to:
• Eliminate a costly key-man policy no longer needed due to retirement or a change in business structure
• Reduce company debt
• Satisfy bankruptcy requirements of asset liquidation
• Terminate a buy/sell agreement that is no longer needed
• Fund a deferred compensation or severance package
