Anne and Edward owned a joint survivorship policy for over 25 years. The premiums had increased significantly and were too expensive for this couple in their late 80s. Surrendering the policy back to the insurance company would have been a substantial financial loss. Fortunately, their financial advisor informed them about the secondary market for life insurance, and put their policy up for sale. The decision was simple: GWG Life provided the highest offer and the most options with their policy. They received $20,000 up front to reinvest, kept $200,000 of their life insurace policy and had no further premium payments.