Most frequently asked NEW questions in 2008:

1) Understanding Life Settlements and can I sell my life insurance ?

2) Selling My Whole Life Insurance

3) How To Sell Universal Life Insurance

4) Sell my Life Insurance Policy

5) Selling Life Insurance Policies valuation

6) Senior Life Settlements

Life settlements are becomming a very popular option with seniors and their CPA/Lawyers as a way to fund financial needs later in life, as well we have seen a huge swing in charitible giving with proceeds from life settlements.

Many seniors opt to surrender their life insurance for cash value, because they either want the money from the policy or because they cant continue to pay the premiums as they tend to go up as you get older.

If you surrender your policy back to the company for cash they get what they want. You pay them thousands of dollars over the years and you just get back a small ammount of cash, life settlements will continue to pay your premiums until it is time to collect and also pre-pay you a portion for the opportunity to collect in the future. It is an investment that many instutions are willing to take, especially with when the markets are down. You will see increased offers for your policy in times of a slow or down market.

Example of a life settlement:

70 year old male has a $1,000,000 life insurance policy.
Premiums are $6,000.00 a year
Surrender Early Cash Value $64,000 from the life insurance company
Based on medical reports and mortatility tables of this individual they have a life ecpectancy of 4 years.

Senairo for investor:

The investor will pull all related medical information ($65.00 to $100.00 per doctor THEIR COST)

Then have a Life Expectancy Certificate issued ( Their cost $1,000.00)

They will then figure out how much they will have to pay, prior to collecting on the face ammount of $1,000,000 and come back to the client with a cash offer. For this example you may see offeres from $210,000.00 to over $400,000.00 depending on all the facts, the current market and the desire of the investor or instution buying the policy.

Each case is different, and will result in an offer specific to the case but as you can see the surrender or cash out is much lower than the offer from the investor.

We work with over 25 top instutional and individual investors in this market place, and will go to work for you to find the top offer availible to you. As each case is different, we will need to work side-by side with you, your family, your financial advisors, yor CPS and any other trusted person who needs to be involved to ensure you get a strong offer and meet the needs of your Life Settlement.

We do not charge any medical records fees, HIPPA Fees or Life Expectancy fees for clients we can determine will be a good opportunity for our investors. This being said we will do a pre-valuation at no cost to you, with in 24-72 hours of a formal request however reserve the right to offer it to our investors if it does not make strong financial sense to You, Your Needs and our investors.

If you have questions or would like to get a Life Insurance Settlement Valuation call us toll free 1-866-526-9669 our team is ready to serve you 7 days a week.

If your life insurance policy is over $1,000,000.00 we have set up a 24 hours direct hot line 972-800-6670

A special note from our founder Jeff Cline”"My mother is in her late 70’s, and I have a real appreation for individuals who help with a loving heart their senior, and I promiss to take special care of those of you out their working in behalf of senior parents. It is a very tough job, but it’s part of the great circle of life and many hard choices may have to be made and I have a great sensititivity to those needs. If I can not help you, or if there are other options out their for you I will give them to you have all the facts to make these types of decisions especially when it comes to Senior Life Settlements ”