A life settlement is not a panacea. We believe that educated clients make good decisions, so we encourage you to think about reasons that a life settlement may not be appropriate in your personal situation.

No Immediate Plans for Cash

If you cannot formulate a definite plan for the proceeds of a life settlement, do not sell your policy. We will be there in the future if you change your mind.

Personal Circumstances

Some personal circumstances provide strong reasons not to sell your policy. A leading reason that many people who apply for a life settlement decide not to accept an offer is that they discover they still need some insurance protection, but cannot obtain replacement insurance. No financial product is a true substitute for insurance. If you need insurance, make sure that you can get suitable replacement coverage before you sell your policy.

You Prefer Other Alternatives

A life settlement is only one way to deal with a policy that isn't meeting your needs. A number of alternatives exist beyond simply surrendering your policy. Consider policy loans, withdrawals, and premium financing as alternatives. If you need money due to medical circumstances, be sure to check your policy for provisions that may help.

How can I get more information?

Call 866.877.4054. Whatever your questions or concerns, we'll do our best to answer them. We may also want to download our printable consumer guide, or look at our list of frequently asked questions.