Case Studies
The following case studies are examples from 2005 & 2006.
Case History 1
Client: 83 yr old female
$325,000.00 Term Policy
Smaller of two policies owned by insured and she no longer needed the policy.
Life Settlement offer = $80,000.00
Agent referral = $10K
Case History 2
Client: 87 yr old male
2.5 million in coverage
The client no longer wanted to pay for the policy. He was going to surrender it for 374K , but the agent wanted to keep the policy in force. The client gifted the funds to his son & grandchildren, and the agent kept the policy in force.
Life Settlement offer = $1,310,000
Agent referral = $250K
Case History 3
Client: 80 yr old male in fair health
400K (UL) Policy
$2,800.00 cash value
The client no longer needed the policy and is using the funds for other investments.
Life Settlement offer = $91,000.00
Agent referral = $24K
Case History 4
Client: 76-year-old male with minor health problems.
Result: $1,700,000 policy about to lapse. The owner could not afford to keep the policy in force and received $275,000.
Case History 5
Client: 81-year-old male in relatively good health.
Result: $260,000.00 policy with an annual premium of $10,300.00. Insured sold the policy for $83,200.00.
Case History 6
Client: 78-year-old female in relatively good health.
Result: $1,000,000.00 policy with an annual premium of $84,000.00. Insured sold the policy for $160,000.00.
Case History 7
Client: 76-year-old female in relatively poor health.
Result: $2,000,000.00 UL policy with an annual premium of $110,000.00.
Insured sold the policy for $325,000.00.
† The purchase price obtained by viators ranges from 12-24% of the face amount of a qualified life insurance policy when submitted to Life Insurance Settlements Inc. in 2006.
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