Reasons for a life settlement 

Life Care Funding Group outlines 10 reasons a life settlement may be appropriate for your clients:

1. The policy owner needs funding to pay for housing or long-term health care needs.
2. The policy owner is planning to surrender or lapse a policy.
3. The policy owner’s insurance needs have changed.
4. The policy owner outlived his or her beneficiaries.
5. Premiums are now unaffordable.
6. The policy owner’s health status has changed since first purchasing the policy.
7. The policy owner needs new life insurance, annuity or long-term care coverage.
8. The policy owner wishes to give to charity while he or she is still alive.
9. Changes in estate taxes.
10. The policy owner is a retiring “key-man" or "key-woman,” or is selling a company or partnership.
    

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