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When is life settlement the right choice?
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When the policy owner can no longer afford to pay premiums.
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When the beneficiary of the policy is deceased and benefit is no longer needed.
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When the need for life insurance has decreased over the years.
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Consider these situations: the owner is now divorced, the kids are out of college and well off; debt and house are paid-off.
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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.
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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).
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When the policy owner just needs cash.
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