Age/Sex: 82/Male 81/Female Policy Type: Survivorship Face Amount: $1,500,000 Cash Value: $284,776 Life Settlement: $405,000	Age/Sex: 72/Female Policy Type: Term Life Face Amount: $250,000 Cash Value: $0 Life Settlement: $37,500	Age/Sex: 80/Female Policy Type: Universal Life Face Amount: $6,000,000 Cash Value: $407,956 Life Settlement: $1,620,000

Age/Sex: 71/Male Policy Type: Universal Life Face Amount: $350,000 Cash Value: $1,647 Life Settlement: $62,000	Age/Sex: 68/Male Policy Type: Key-Man Face Amount: $2,000,000 Cash Value: $289,000 Life Settlement: $489,000	Age/Sex: 79/Male 78/Female Policy Type: Survivorship Face Amount: $2,300,000 Cash Value: $276,000 Life Settlement: $552,000

Age/Sex: 81/Female Policy Type: Universal Life Face Amount: $10,000,000 Cash Value: $347,140 Life Settlement: $1,600,000	Age/Sex: 74/Male Policy Type: Term Life Face Amount: $420,000 Cash Value: $0 Life Settlement: $63,000

Disclaimer: Life Settlement amounts are based on numerous factors including but not limited to; Insured age, Insured Health, Future Premiums, Policy Size, Etc. The above examples and testimonials are solely intended to demonstrate the potential benefits of a Life Settlement and are not necessarily an indication of future, past, or present results.

Case #1

Objective:

Profile:

Client required life converage to run out 12 years without premiums.

Female/77, Male/78,
Both Moderate Health

Type of Insurance:
Coverage Amount:
Premium:
Surrender Value:

Survivorship
$3,000,000
$82,403
$693,758

Action: This couples' Insurance Advisor identified that this policy would only run out 8 years without premiums. The family needed coverage that would last 12 years without payments.

Benefit: A Life Settlement quote of $950,000 created additional funds to carry the new policy to the needed period without out of pocket expense.

Life Settlement Payout: $950,000 (Client)

Case #2

Objective:

Profile:

Client wanted to reduce or eliminate future premiums.

Male/77, Moderate Health

Type of Insurance:
Coverage Amount:
Premium:
Surrender Value:

Universal Life
$8,700,000
$36,077/Annually
$993,714

Action: The client asked his Advisor if there was a chance he might be able to eliminate his future premiums with the Life Settlement option. The Advisor recommended they apply for a no obligation Life Settlement quote.

Benefit: The offer to the client was $2,600,000, a total of $1,606,286.00 above his current surrender value. The Advisor put a portion of the newly "found money" into a new policy and eliminated the premiums for the client. The client also received a cash benefit of $500,000.

Life Settlement Payout: $2,600,000 (Client)

Case #3

Objective:

Profile:

Advisor recognized the clients need for insurance reduction.

Female/82/Moderate Health

Type of Insurance:
Coverage Amount:
Premium:
Surrender Value:

Universal Life
$10,000,000
$125,000/Annually
$356,000

Action: The client's estate tax burden was reduced and her Advisor recognized she was over insured. Being familiar with Life Settlements, her Advisor suggested she sell her existing policy and take the newly "found money" and apply for a more suitable policy with reduced or eliminated premiums. The Life Settlement was the perfect answer for her changing needs.

Benefit: The Life Settlement offer of $1,500,000 to the client was an increase of $1,144,000 above the insurance company surrender value. The Advisor put a portion of the newly "found money" into a new policy and eliminated the premiums for the client. The client also recieved a cash benefit of $740,000.

Life Settlement Payout: $1,500,000 (Client)