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Did You Know You Can Possibly Sell Your Term or Cash Value Life Insurance Policy?

Life Insurance

Redemption Bids - Lapse Settlements - Ownership Transfers

A growing number of seniors are considering life insurance policy lapse settlement or ownership change transactions every year. Many of the reasons why they pursue these financial transactions are because they want to achieve personal and business related goals. Life insurance policy lapse settlements and ownership change serve as flexible financial planning tools, making them highly desirable to many policy owners over 55 years of age. Let us look at the most common reasons why seniors choose to conduct life settlements.
Reasons One Sells Thier Term or Cash Value Life Insurance Policy:
Insurance

Insurance Needs Have Changed

  • Policy Owner has outlived intended beneficiaries
  • Policy has not performed as expected
  • Debts have been liquidated

Need For Life Insurance No Longer Exists

  • Premiums are too expensive
  • Concerned about long-term care needs and expenses
  • Retirement planning concerns due to challenging economy

Replacement Insurance Is Desired

  • Non-performing policies
  • Single insured to second to die
  • Reappearing premiums

Business Insurance

Business Insurance Needs Have Changed

  • Key employee is no longer "key" or has "left" firm
  • Other employees have absorbed duties
  • Policies funding deferred compensation plans are no longer needed

Business Has Been Sold Or Is Up For Sale

  • "Buy-Sell" policies are no longer needed
  • Family business has been sold-estate equalization policies are no longer necessary
  • Policy Owner may use funds to buy out partner's interest

Estate Planning

Estate Needs Have Changed

  • Estate has diminished in value
  • Estate tax laws have changed
  • Second-to-die policy may be more appropriate

Income

Cash Or Income Needs Have Changed

  • Policy Owner needs more income
  • Policy Owner needs funds to meet emergency expenses
  • Policy Owner needs funds for medical care or LTC insurance

Gifting

Policy Owner Wishes To Make Gifts

  • Policy Owner wishes to make lifetime gifts to children or grandchildren
  • Policy Owner can use funds to make charitable gifts or fund charitable trusts
  • Increase the amount of gift the charity receives today

Priorities

Policy Owner's Priorities Have Changed

  • Policy Owner wants to buy vacation or retirement home
  • Policy Owner wants to take dream vacation
  • Policy Owner may be able to purchase "buy-sell" policy from partner

For Additional Information

E-mail Ken Wheeler

Fax:  888.898.6009

Financial Exchange

310 Northeast Ewing Street

Grimes (Des Moines), IA 50111-3002

Phone: 800.333.0801

or 515.986.9266 

 

K. B. (Ken) Wheeler Internet Business Card

1031-721TAX-DEFERRED EXCHANGE INVESTMENTS

 

Transactions Subject to the U.S.A. PATRIOT ACT

 

Thank you for your interest in this Investment Opportunity.

 

One's property of value inevitably transfers ownership, with or without one's wishes.  

Prepare now to save your family wealth.  Ken Wheeler

 Copyright © 2010 Financial Exchange All rights reserved

Last Modified: 02/10/2010
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