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LS Basics

What you need to know about selling your life insurance.

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Welcome to Life Settlement Investors

A Life Settlement is the sale of a life insurance policy to an investor for an amount traditionally exceeding its cash surrender value.

The sale of any life insurance policy after it has been issued is a Life Settlement.  Most policies are held by the insured for at least two years before they can be considered for sale in the Life Settlement marketplace.  Most settlement companies in the marketplace will not bid on policies that are within the contestability period.   

After the policy is sold, the policy owner receives the proceeds of the sale in the form of cash.  The owner of the policy no longer has any rights to the policy and does not need to make any further premium payments.
Important determining factors affecting the value of the policy are:

  • The age of the insured
  • Existing health conditions
  • Cash value in the policy
  • Amount of premiums needed to keep the policy in force to maturity
  • Face amount of policy

The concept behind a Life Settlement is that a policy owner can receive more money in the secondary market than from the life insurance company for surrendering the policy.  The new owner who purchases the policy will continue to make premium payments on the policy and will receive the death benefit at the appropriate time.

Do not let your policy lapse or surrender your policy without contacting us to see how much more money you could receive!

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