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Life Settlement Advances
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Life Insurance Settlements (Senior Settlements)
- Retire
- Travel
- Buy a new home
- Pay for a wedding
- Fund a child's education
- Cover medical expenses
- Buy a new car
- Create an emergency fund
- Do something special for your significant other
- Donate to your favorite charity
Did you know...
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Your life insurance is worth money.
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You may be able to get a significant amount of cash for your life insurance policy.
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Cash is available for personal and business policies, individual and group, term, whole life, and other forms of life insurance policies.
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Your reasons for having life insurance may no longer exist?
Life Settlement Examples:
Mr.
Blake owned a Face Amount: $500,000 term life insurance policy that was
approaching its conversion deadline. He was not comfortable with the conversion
costs, so he consulted his insurance agent for possible options. Because there
had been a change in Mr. Blake’s health, his agent had him look in to a life
settlement. Instead of allowing the policy to lapse, Mr. Blake received a Life
Settlement: $152,000. This allowed him to recoup his premium payments, repay
some debts and make a substantial addition to his investment portfolio.
Bill
Feeney wanted to move to a new retirement resort, but couldn’t quite afford
the increased rent. His neighbor told him about senior settlements, and Bill was
surprised to hear of such an alternative. At 76 years old, with minor health
problems, the funder was able to secure him a Life Settlement: $53,000
from a Face Amount: $125,000 whole life policy that he no longer needed.
Julie
has been living with cancer for 5 years. When she finally looked in to receiving
a life settlement, she hadn’t worked in two years, she was about to lose her
home and could not afford to get the treatment she needed not covered by her
health insurance. The funder secured a Life Settlement: $120,000 for her Face
Amount: $200,000 term life insurance policy. Julie paid off her house,
and had enough left over to fly to a special treatment clinic. She's doing much
better and sends the funder postcards now and then expressing what a blessing
the life settlement has been for her.
To preserve confidentiality, some information has been modified.
Frequently Asked Questions:
- Why would I want to sell my life insurance policy?
- What types of policies qualify?
- How does the process work?
- How do I receive my money?
Why would I want to sell my life insurance policy?
- To obtain money for other wants or needs.
- The premium payments have become a burden.
- The need for insurance no longer exists.
- To cover the cost of health care.
- The coverage will lapse after employment.
- To purchase a new car, go on vacation, pay for a child's education, donate to charity or any other want or need.
What types of policies qualify?
- ALL types of life insurance qualify and all sizes are considered.
- The insured should be 65 or older.
- If under 65, the insured should have some significant health issues.
How does the process work?
- You complete an application and your file is processed. The necessary insurance and medical information is obtained and your file is reviewed by our investors and funding sources. After evaluating your file, they respond with settlement offers. The highest offer is then sent back to each funding source. This gives them an opportunity to outbid one another. It’s this competition that produces the highest settlement for you. You will be contacted with the results as soon as the process is completed. It is important to remember that there is no obligation to accept an offer, nor are there any fees to pay at any time.
- The average length of time is 4 - 6 weeks. The time depends greatly on how long it takes for the insurance companies and physicians to respond to requests for information.
How do I receive my money?
- You will receive a lump sum payment by bank wire or certified check.
Examples:
- You are over 65 and have been paying annual premiums on your life insurance for a very long time.
- Having owned a business, you purchased key man insurance or another form
of life insurance and now that you have retired or sold the business, you no
longer need to keep the insurance in force.
You decide to contact ACF to get a free quote on the value of selling your life insurance policy. 4 - 6 weeks later you have a free quote and can decide if you want to accept the offer.
Originally you bought your policy to insure that in case something happened to you, your loved ones would be taken care of or your children's education would be funded, the house paid off, and the responsibilities you left behind covered.
Over the years you have paid thousands of dollars in premiums and now the responsibilities you originally purchased the policy to take care of have all been covered. Or, perhaps the premiums have become so high that you no longer believe the policy is worth the expense.
You decide to contact ACF to get a free quote on the value of selling your life insurance policy. 4 - 6 weeks later you have a free quote and can decide if you want to accept the offer.
Before you consider replacing, lapsing, or canceling your policy, consider selling it.
You could get thousands of dollars for your used policy and no longer have to pay premiums for it.
Contact
ACF today for a free, no-obligation quote on how you may get a large lump sum of
money by selling your life insurance policy. Save time and allow ACF
to try and provide you with the absolute best offer!