For a life insurance client, the longer his life expectancy, the easier it is to place a policy and the lower the premium. For a Life Settlement client the opposite is true. The shorter his life expectancy (advanced age, poor health) the easier to sell his life insurance policy and the higher the settlement. How can you tell if your client is a candidate for a Life Settlement (could get an attractive offer)?

The Ideal Client Profile is:

• Over age 70 OR in poor health (Life expectancy of 11 years or less)
• $250,000 minimum face amount
• Low cash value