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SENIOR SETTLEMENTS
Every day thousands of older (over age 65)
policyholders are lapsing or surrendering term or permanent life insurance
policies that they have had for years, either because they believe they no
longer require the coverage, or because they no longer can afford to pay
the premiums.
If they permit the policy to lapse they get back
nothing.
If they surrender the policy to the insurance
company, in many cases they receive far less than the policy is worth.
Some
of your clients may have outlived their need for some of
the life insurance policies
that they purchased years ago.
Some of
your clients may prefer to stop paying premiums
for life insurance that they no longer
can afford.
The
Industry’s Only Full Service Broker For Advisors
Marketing
Instant
quotes
Client-ready Insurance Valuation ReportsTM
Customized marketing materials
Field sales support
CE seminars & web training
Case Development
Internal Medical Director review
(sell-side analysis) Case design (buy-side modeling & valuation
summary) 24/7 Online access to case status
Offer Negotiation
One-stop access to most institutional
buyers/providers Comprehensive Errors & Omissions coverage 100%
Transparency: gross offer disclosure from buyers Certified fair market
values through LifeXSM auctions
Closing
Closing
process management Document preparation (pre-filled with page-by-page
guide) Legal & regulatory review Third-party advisor consulting
(trustees, attorneys, etc.)
Compensation
Licensing support (in required states)Transaction fees based on
value created
Pre-qualify
an Applicant for a Senior Settlement - Request a Quote
How
Policy holders Benefit from Selling Old Policies- Case Studies.
How
does our insurance valuation program work ?
Insurance
valuation worksheet - use to list your cases
New
Value in Old Policies.
Selling
Your Life Insurance - Good Idea?
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