Life Settlements : Why Sell?
WHY WOULD SOMEONE

WANT TO SELL

A LIFE INSURANCE POLICY?
The potential market is tremendous. Yet, many policy owners are not aware of their liquidity options beyond a policy's cash surrender value. Typically, the lump sum payment from the sale of a policy is 2 to 5 times the surrender value.

Policies are sold for various reasons. In some instances, the original purpose for the policy has changed or been eliminated entirely.

Changing circumstances may contribute to the decision to liquidate a policy:
  • Changes in estate size
  • Changes in tax law
  • Affordability of premiums
  • Sale of a business
  • Policy is underperforming
  • Long term care needs
  • Death of a beneficiary
  • Mortgage or debt has been paid off
  • Desire to distribute funds to heirs while living
  • Retirement

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