SENIOR POLICY HOLDERS

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Life Insurance Settlements:
What Seniors Should Know…

A large portion of Life Insurance policies either lapse before the end of their term or are surrendered before benefits are paid.

Now seniors age 65 and older have an option to leverage this assignable asset through a Life Insurance Settlement. A Life Insurance Settlement is the sale of a life insurance policy in the secondary market to a licensed funding company for a lump sum cash payment that is more than the policy surrender value. This transaction involves the policy owner’s transfer of ownership rights to the funding company for the current market value. The purchasing entity then becomes the policy owner and is responsible for future premium payments.

Why Consider a Life Settlement?

A Life Settlement gives seniors an exit strategy for life insurance policies they view as too expensive, poor performing, or because it no longer meets their original needs. Selling one’s life insurance policy can be a successful part of a financial planning strategy for seniors facing life’s changing circumstances.

Financial Benefits

• Receive more money than the cash value of a policy
  
• Buy a more cost effective life insurance policy or annuity
  
• Fund the purchase of long-term care insurance or other asset protection tools
  
• Fund a charitable gift, trust or annuity
  
• Buy back stock from a partner or a stockholder
  
• Eliminate costly premium payments on a policy that is no longer wanted or needed or is simply too expensive
  
• Create current liquidity from an otherwise dormant asset
  
• Provide funds that can be reinvested in other investment opportunities
  
• Fund the purchase of a survivorship policy
  
• Create a tax efficient solution

Personal Benefits

• Fund your dreams
  
• Enjoy the things you’ve always wanted to do in life
  
• Take a long awaited dream vacation
  
• Purchase a luxury item
  
• Preserve current standard of living
  
• Peace of Mind
  
• Maintain or increase your quality of health care

Why Should Accelerated Life Settlements, Inc. (ALS) Be Your Life Settlement Representative?

At ALS, Life Settlements are our only business. We represent you. Our team of professionals process and negotiate with multiple funding companies to insure you receive the highest possible lump sum cash settlement price for your policy.

We believe the policy owner is entitled to full disclosure by keeping them well informed and updated at every step of the Life Settlement process.

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Contact us for a no cost, no obligation consultation regarding Life Settlements and how it pertains to your policy.

Accelerated Life Settlements, Inc. (ALS) is a licensed broker for Life Settlement transactions. ALS is not licensed in all states where licensing is required. If not licensed in your state, we have affiliate relationships with licensed organizations that can process and transact your life insurance settlement.