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Special insurance
carriers for impaired-
risk cases and smokers.*

* Cigar smokers, tobacco
chewers, and occassional
smokers can pass as
non-smokers.


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Senior Settlements or Life Settlements

Many a times it happens that you get stuck with a life insurance policy that you do not need any more. If you cancel or surrender it, either you lose the premiums paid for those years or you get cash value that does not do you any good.

If you are over 65 and considering surrendering or canceling your life insurance policy, you can receive a cash settlement worth more than you think.

  Reasons to sell life insurance policy

  1. To fulfill other wants and needs.
  2. Making premium payments has become a financial burden.
  3. To maintain or increase your quality of health care.
  4. To procure money from a group policy that will lapse after employment.
  5. There is no need for life insurance any more.

All kinds of life insurance policies including group and term, small or large qualify for a life settlement.

Don't hesitate to contact us if you have a policy you want to get rid of and not lose all the money you paid into it for all those years.

We will forward your information to the top rated source to get you the best possible offer.

Remember, you are under no obligation to accept the offer.

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Examples of Rates*
Term Life Insurance
$250K/ 20 Years Level
Age Male Female
35 $13.34 $12.47
40 $17.72 $15.53
45 $29.97 $23.84
50 $47.25 $33.03
Monthly Rates.*See note

Return of Premium
$250K/ 20 Years Level
Age Male Female
35 $34.78 $29.31
40 $42.88 $42.88
45 $73.30 $62.44
50 $111.77 $89.39
Learn more about it

Universal Life Insurance
$250K/ Gtd. till age 100!
Age Male Female
35 $112.50 $89.58
40 $137.81 $114.41
45 $169.53 139.34
50 $209.25 176.41
*Note: Premiums are based
on actual date of birth at 
Preferred Plus Non-smoker
monthly rates.
Rates are higher for other
underwriting classifications.
Rates are subject to change,
state availability, and issue
limitations.
Current as of March 15, 2008.




















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