Life insurance provides financial solutions to meet various needs of businesses and families. Over time,however,needs change. According to Milliman and Robertson, a leading actu-arial consulting firm,88% of all universal life policies never result in a death claim. In other words,the policies are surrendered or permitted to lapse. A surrender or lapse is,essentially,a sale of the policy back to the insurance company for the cash value. However,if the insured's health has declined, the insured is no longer insurable in the same rate class;in that case the policy may be worth considerably more than the surrender vale. Our Purchasing Parameters To qualify for purchase and a lump sum distribution, the following qualifiers must be met: • Your actuarial life expectancy must be 3-10 years without life threatening illness • You must be at least 72 years of age • Your policy must have a minimum face value of $250,000 • Your policy must be either whole life, universal life, variable universal life, term, or convertible term, be payable by a U.S.-based "A" rated carrier For more information call today without cost or obligation 240-601-6405
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