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Senior Life Settlement: Case Studies
At P & T Financial, we carefully evaluate the strengths of each policy situation and search the institutional investor marketplace to find the best investor match that returns the highest value to the policy holder. Shown below are the results of four cases that represent a broad cross-section of the most common types of senior life settlements in our portfolio.
| Case Study #1: Sale of a Term Life Insurance Policy |
| Situation |
Male age 71 has a $750,000 term life policy with $0 cash value. The policy was offered for sale because the premiums became unaffordable |
| Result |
Rathe than let the policy lapse, the term policy sold, returning $187,500 to the policy owner. |
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| Case Study #2: Sale of a Term Life Insurance Policy |
| Situation |
Male age 65 has a $2 million term policy to cover a business loan with a $0 cash value. The business was sold and the loan repaid, so there was no longer a need for the term policy. |
| Result |
Rather than let the policy lapse, our senior life settlement provided $600,000 to the policy owner. |
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| Case Study #3: Sale Of A Universal Life Policy |
| Situation |
Female age 71 has a $1.5 million universal life insurance policy with $200,000 cash value. The insured still needed life insurance for estate planning purposes but wanted a lower premium. |
| Result |
The policy was sold through a senior life settlement for $500,000 and the proceeds used to fund a new, better performing policy. |
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| Case Study #4: Sale Of A Universal Life Policy |
| Situation |
Male age 73 with health issues owns a $500,000 universal life policy. |
| Result |
A senior life settlement sold the policy for $105,000. |
To determine the full market value of your unwanted or unneeded life insurance policy, call today toll-free at (877)591-6102, send an email inquiry to info@ptfin.com, or submit a Senior Life Settlement Qualifying Worksheet. We look forward to working with you.
P & T Financial has expertise in senior life settlements in California, including San Diego, Irvine, Santa Ana, Long Beach, Riverside, Los Angeles, Santa Barbara,Bakersfield, Fresno, Modesto, Sacramento, Stockton, San Francisco, San Jose, Oakland and Redding geographic markets.
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