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When is life settlement the right choice?


  • When the policy owner can no longer afford to pay premiums.

  • When the beneficiary of the policy is deceased and benefit is no longer needed.

  • When the need for life insurance has decreased over the years.

  • Consider these situations: the owner is now divorced, the kids are out of college and well off; debt and house are paid-off.

  • When the policy owner has an increased need for health and long term care insurance and other investments and needs additional funds to secure them.

  • When the estate of the policy owner has changed and the projected tax burden has been decreased (consult a tax advisor as the estate tax laws have been changed recently).

  • When the policy owner just needs cash.

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