Case Studies

Below are some recent settlement examples:

Age 75
Gender: Male
Type: Universal Life
Face Value: $4,100,000
Cash Surrender Value: $280,000
Life Settlement amount: $975,000

Age 65
Gender: Male
Type: Term Policy
Face Value $600,000
Cash Surrender Value: $0
Life Settlement Amount: $108,000

Age 75
Gender: Female
Type: Universal Life Policy
Face Value: $7,000,000
Cash Surrender Value: 1,250,000
Life Settlement Amount: $2,900,000

Age 76
Gender: Male
Type: Universal Life Policy
Face Value: $10,000,000
Cash Surrender Value: $449,000
Life Settlement Amount: $2,700,000

Below are some examples of real life settlement cases provided by LISA:

I. A 78-year-old man was unable to keep up with his premiums for a $250,000 policy and was in danger of losing his home due to mounting bills and unpaid loans. He had experienced unexpected health problems that were not covered by Medicare. He had also provided money to a grandchild for college tuition. Now, he found himself in financial straits. He was unable to pay his premiums and was prepared to let the policy lapse. Then a friend told him about life settlements and as a result, the $70,000 payment he received helped him pay off some troubling debts and keep his home.


II. A 76-year-old man developed financial problems after his wife passed away and realized he could no longer afford to pay the premiums for a $2.5 million survivorship universal life policy. He was prepared to cash it in for just $55,544 when his broker referred him to a specialist in life settlements. Having received $785,000 as a top bid, he was able to secure his future years and told his broker that this had changed his life.