Actual Case Examples

Alan had two policies with a combined value of $386K.  He had retired and was paying$18K per year in premiums, and wanted to either reduce his premiums or stop paying them altogether.  We were able to get him a Life Settlement of $96,000 for the two policies, which he used to purchase two new policies for $500K and $3.3M.


Frank was 68 and had a $1M Term policy that was about to expire.  He couldn't afford the conversion premiums and was going to just let it lapse.  We were able to sell his converted policy for a cash payment of $90,000
Alan had two policies with a combined value of $386K.  He had retired and was paying$18K per year in premiums, and wanted to either reduce his premiums or stop paying them altogether.  We were able to get him a Life Settlement of $96,000 for the two policies, which he used to purchase two new policies for $500K and $3.3M. 

Dr. A
was 67 and had a $2M policy that was lapsing - the company told him he would have to pay $65,000 immediately and then $5,000/month to keep the policy in force.  We sold the policy for $30,000, which he used to purchase a new $2M policy with premiums of only $2,500/month!  So he was able to maintain the same amount of coverage with half the premiums and no out of pocket cost!

Mr. B
had a variable policy with a current death benefit of approximately $1.3M. The agent who sold it to him years before had said it would not only provide a death benefit, but also could provide income in retirement.  At age 75, the policy was in danger of lapsing without additional premium. We were able to sell his policy for $585,000 that he could use to purchase a new policy, with a guaranteed death benefit of $1.6M

​Dr. B
was 70 and had a $1M Universal Life policy; he no longer needed the coverage and didn't want to continue paying expensive premiums in his retirement years.  We were able to get him a cash payment of $432,400!
Brian purchased a $1.5M policy to benefit his wife, who subsequently passed away.He was 77 and had paid a total of $86,000 into the policy and did not want to continue with the premiums.  He received a Life Settlement payment of  $703,000.  

Jeff had a $1M policy that he had paid into for years.  He became ill at 57 and couldno longer work - with his diminished income he could no longer afford to keep the policy, which had approximately $50,000 cash value.   His insurance company told him his only option was to surrender the policy - instead we were able to get him a Life Settlement for $400,000.


Jack was 60 and had multiple policies, including $1M 20-Year Term Policy.  He neededan influx of cash for his business.  He had paid a total of about $84K in premiums into this policy, and we were able to sell it for $515,000. 


Gain the Advantage of our Experience!