Please contact us if you or your client is 70 years or older and owns a life insurance policy with a face value of $1,000,000 or greater and (one of the following):

1. You may have no need for your or your client’s existing policy because:

You or your client has outlived their beneficiaries
• You or your client cannot afford their existing policy
You or your client no longer needs the existing policy for estate planning purposes, or no longer needs as much insurance as before. (For example, the value of you or your client’s estate has declined)
Key man insurance is no longer needed because of a change in circumstances such as retirement, or change in corporate structure.

2. You or your client has a need for new insurance, annuities or long-term care.

3. You or your client is insurable now and they would accept a replacement policy with costs and benefits similar to or better than you or your client’s existing policy.

4. You or your client’s existing policy are not performing up to expectations.

Why haven’t you or your client heard of this before?
The Life Settlements business is a fairly new concept that was started in the 1990s. Today, an estimated $10 billion of life insurance policies are sold through the Life Settlements market each year. That sounds like a lot, and it is, but this represents only a small portion of all life insurance. So, it is no wonder that you or your client may not have heard of Life Settlements until now.

What are the risks?
The client has nothing to lose and there is no risk to explore their options. If nothing else, you or your client will come away knowing what their policy is worth and, if applicable, how a replacement policy would compare. What direction they take after that is a matter of choice.