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Age / Health: Most people that ultimately sell their policies are 65+ years old or have a serious medical condition. In some cases, younger individuals who have a serious illness may also have policies that qualify.
Policy Type: Whole life, universal life, variable universal life and term life. Group life insurance policies may also qualify in certain situations.
Policy Size: The existing policy should have at least $100,000 in face value.
A Life settlement is when someone sells their life insurance policy to a third party. The policy seller receives a lump sum cash payout that is more than the cash surrender value, but less than the death benefit. The buyer receives the policy’s death benefit when the seller passes.
Anyone with a severe medical condition knows that health insurance doesn’t cover everything. Fortunately, life insurance policyholders have a few options that can help solve financial problems. A Life settlement is one of them.