Qualify for a Life Settlement

Best Candidates are Generally 72 years of age or older, are in average or less than average health with at least one half million dollars in face amount of expendable life insurance. Seniors over 65 years of age with face amounts from $50,000. to $500,000 are guaranteed.

Total Score 6 7 – 12 13 – 18 19 – 24

Life Settlement Probability Highly unlikely Unlikely – Please call us to discuss Average - Continue to application Highly Likely - Continue to application

Qualify worksheet

Client age and sex:

1 Point Male age 74 or less / Female age 77 or less

2 Points Male age 75 - 78 / Female age 78 - 81

3 Points Male age 79 - 83 / Female age 82 - 86

4 Points Male age 84+ / Female age 87+

Medical Condition:

1 Point Healthy senior

2 Points Has a minor health problem

3 Points Health has changed considerably since policy issue

4 Points Client has developed a terminal illness

Policy Type:

1 Point Joint Survivorship or Whole Life

2 Points Term Life

3 Points Universal Life

4 Points Joint Survivorship with one deceased

Current cash surrender value of the policy as a percentage of the death benefit:

1 Point 30%+

2 Points 20% - 30%

3 Points 10% - 20%

4 Points 0% - 10%

Outstanding loans as a percentage of the death benefit:

1 Point 30%+

2 Points 20% - 30%

3 Points 10% - 20%

4 Points 0% - 10%

Current premiums as a percentage of the death benefit:

1 Point 4%+

2 Points 3% - 4%

3 Points 2% - 3%

4 Points 1% - 2%