A life settlement is the sale of an existing life insurance policy to a third party for more than its net death benefit.
Generally the best candidates for life settlements are 70 years of age or older, have a life expectancy of less than 12 years, and have a life insurance policy with a face value of $200,000 or more that they have owned for at least 2 years. Other factors, including health status and policy costs, could make someone a good candidate for a life settlement as well.
Reasons to sell your life policy:
- The policy owner may no longer need the policy.
- The policy owner may wish to purchase a different type of insurance policy such as long term care.
- Premium payments may no longer be affordable.
- Funds are needed for medical expenses.
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So don’t let your policy lapse without contacting Zyvriq Funding first to obtain a free valuation of your policy’s current value.