Life Settlements

A Life Settlement provides an option for life insurance policyholders at least 75 years old when making payments on a policy is no longer appropriate or affordable. Settlement amounts vary based upon life expectancy, premium obligations and prevailing interest rates. The  main difference between a Viatical and Life Settlement is that the policyholder for a Life Settlement is not terminally or chronically ill.

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Common Circumstances

  • Sale of a Business
  • Dissolution of Partnership
  • Divorce
  • Premiums no longer affordable
  • Retirement
  • Bankruptcy
  • Key employee leaving company
  • Pay for Long-term or Assisted Living Care
  • Death of a Beneficiary
  • Change in size of Estate


Eligibility Requirements

  • Minimum face amount of $250,000
  • Minimum insurance carrier rating with Standard & Poor’s of A (highest rating AAA)
  • Policy is past contestable two year period (some states require five year ownership)
  • No invasive interviews, physical examinations or fees

When you consider any option that touches your life and the lives of those you love, it’s important to have as much information as possible. Because each situation is unique, we recommend discussing the specifics of your situation with a trusted tax accountant or attorney. Money received through a Life Settlement may be used as desired, and may create a taxable event.