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Do You Own Type A Life Insurance Policy That You No longer Need or Want? It is possible that you may be able to tin get a CASH settlement in extra of the
current cash resignation value by merchandising your policy in the secondary market to an
investor.

Reasons To “Sell” Type A Policy:

Family Situations
Bankruptcy
Estate Reduction
Estate Tax Revision
Business Was Sold
1035 Exchange
Drain On Income
Divorce – Separation
Death of A Spouse
Retirement
Declining Health
Non-Performing Policy
Wealth Planning
Work Related Changes

Qualifying Types Of Life Insurance:

Group
Whole Life
Term (Convertible)
Joint
Universal
Variable
Key Man (business related)

Who Is A Qualified Candidate?

Mature work force and women over age sixty-five old age of age who have got got an existent life
insurance policy and whose fortune have changed since buying the policy
originally may measure up for a purchase and sale of their policy. Financial advisors position
this as a powerful and advanced wealthiness and estate planning tool.

How Much Are Type A Policy Worth?

There are a number of variables that determine the offered amount for a policy,
including the following;

* Age (of course) * Premium cost
* Client’s Health * Type of Insurance
* Death Benefit * Insurance Company Rating
* State of Residence *Underwriting criteria

Note: As a general regulation the most heavily leaden points are the age of the insured
(the younger a individual is a lesser current value will apply), the wellness condition, and
the amount of the insurance insurance premiums that apply are the primary determinants in arriving at
the terms offered for a policy.

What profits are there for the insured?

First – there is absolutely no cost for a policy appraisal
Offers liquidness to clients
Eliminates the insured having to pay premiums
Support for ‘Alternative’ merchandises that tantrum current needs
Offers an advanced and better solution for current status
Provides another option for divesting policies that are no longer needed or
wanted. (As opposing to letting policies oversight or accepting the cash resignation value
established by the originating life insurance company.)

How Bashes merchandising A Policy Work?

1. Policy proprietor (or professional financial advisor) petitions and authorises a policy
evaluation.

2. Policy buyer obtains needed documentation, including policy information and
doctor statements, etc.

The highest possible offer is obtained in the secondary market.
The offer is submitted to the insured for acceptance.
If accepted, a contract is sent for signatures.
The change of ownership is completed and finances are released to the former proprietor
(usually the insured).