For this policy owner, a surrender value of $19,365 was just not acceptable. He no longer had to pay premiums because there was sufficient account value in the policy—more than what the insurance company offered. He decided to explore other options and discovered GWG Life would offer $200,000. At 80-years-old, he found hidden value in his life insurance that provided an important post-retirement financial solution. He could use the funds to supplement his savings, re-invest, or apply towards long-term care.