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Converting An Unwanted Life Insurance Policy Into Ca$h
Do You Own A Life Insurance Policy That You No longer Need or Want?It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.
Reasons To "Sell" A Policy:
Qualifying Types Of Life Insurance:
Who Is A Qualified Candidate?
Mature men and women over age sixty-five years of age who have an existing life insurance policy and whose circumstances have changed since purchasing the policy originally may qualify for a purchase and sale of their policy. Financial advisors view this as a powerful and innovative wealth and estate planning tool.
How Much Is 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
Note: As a general rule the most heavily weighted items are the age of the insured (the younger a person is a lesser current value will apply), the health condition, and the amount of the premiums that apply are the primary determinants in arriving at the price offered for a policy.
What benefits are there for the insured?
First - there is absolutely no cost for a policy appraisal
How Does selling A Policy Work?
1. Policy owner (or professional financial advisor) requests and authorizes a policy evaluation.
2. Policy buyer obtains needed documentation, including policy information and physician statements, etc.
The highest possible offer is obtained in the secondary market.
Afra AmirSanjari is the Principal for Peacock Capital. Peacock Capital specializes in solving the cash flow challenges of Small/Medium Businesses, Government Vendors and Individuals with innovative financial solutions by providing a network for securing operating capital.
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