• No fees or costs to complete the analysis of the information to determine the viability of a settlement. As a result,your decision to explore a settlement for the sale of a policy is at no financial risk to you.
• In fact, policy-owners who sell their policies as a life settlement typically receive as much as four or five times greater than the amount they would have received had they simply surrendered their policies to their insurance companies.
• A life insurance settlement is a valuable alternative for a life insurance policy owner to realize immediate cash value from a sale of the policy to a third party for a mutually agreed upon price.
• Life insurance settlements can provide cash relief for clients that no longer need, want or can’t afford their existing life insurance.
• A life insurance settlement is a valuable alternative for a life insurance policy owner to realize immediate cash value from a sale of the policy to a third party for a mutually agreed upon price.

• You have retired and no longer need income replacement at death or his/her children are grown and no longer need protecting,
• You sold your business and the key person policy is no longer needed,
• You purchased the policy as part of an estate tax planning strategy which is no longer necessary,
• You are retired and have encountered unexpected long-term healthcare expenses,
• You simply want to obtain significant cash from a settlement to reinvest in something else or spend it!

Settlements provide cash relief for clients that no longer need or want existing policies. If the insured has retired and no longer needs income replacement, a life settlement can help alleviate the cost of an unneeded policy and provide a cash benefit that can be used to cover expenses like healthcare in retirement.

A life settlement is a cash alternative to insureds that can no longer afford their premium and no longer need the policy. The selling price is always greater than the surrender value.

When you sell your policy you will be taxed in 3 tiers:

1. Proceeds received up to the cost basis (total premiums paid) are free of income tax.
2. Proceeds received that are greater than the cost basis, up to the amount of the cash surrender value, are taxed as ordinary income.
3. Proceeds received that are in excess of the amount in tier 2 are taxed as capital gains.

Professional Life Settlements PLUS does not provide legal or tax advice.  Please consult your own CPA and/or attorney before selling your life insurance policy.

There are certain requirements that are necessary to estimate the life expectancy of the client and the true value of their policy. Settling a policy involves analysis of the insured’s current contract and health including:

• An inforce illustration of the current policy
• Medical Records
• Life expectancy calculation
• We keep all results confidential and the information helps us evaluate the cash potential of the policy.

Professional Life Settlements PLUS does not provide legal or tax advice.  Please consult your own CPA and/or attorney before selling your life insurance policy.