Case Studies

The ultimate win-win

	Female	Age 82, Nonsmoker
	Policy Type	Universal Life Policy
	Death Benefit	$1,000,000
	Surrender Value	Zero
	Settlement Value	$228,892

*The amounts provided are for example purposes only. Actual amounts may differ

Mary Beth

...is an 82-year-old, recently widowed, non-smoker. Following her husband's death and based on her financial advisor's recommendation, she began investigating ways to reinvest some of her assets into a college fund for her grandchildren. With her three grandchildren in their teens, she needed to act quickly and, most importantly, maximize her investment. Although she hadn't previously viewed it as such, her universal life policy with a $1 million death benefit could act as an asset.

After a thorough examination she and her trusted advisor began to pursue a Life Settlement as a viable and secure option. Following the necessary steps, Mary Beth was able to settle her policy for $228,892, well above the surrender value of $0. Following her settlement she promptly reinvested into a college fund.