The Basic Facts ...................................Reading time 5-7 minutes. Agents Click here

• You can sell your Life Insurance for more than your Insurance company is willing to pay, in many cases for more than double the cash surrender value.

  Estimated Value - $100,000 Policy	Life Expectancy
  85,000	0-6 months
  75,000	6-12 Months
  70,000	12-24 Months
  65,000	24-36 Months
  60,000	36-48 Months
  55,000	48-60 Months
  50,000	60-72 Months
  This chart is for estimating purposes only.

• The process is relatively simple and without cost to you.
• To qualify you must have an in force life policy and meet one of the three following criteria:
  • over 21 years old with a life-threatening illness.
  • over 65 years old with serious health problems.
  • over 80 years old and in reasonable health.
• The proceeeds of sale are yours to use without restriction.
• Acceptable policys include: Whole Life, Universal Life, Variable Life, Term, Survivorship, Joint First to Die, Adjustable Life, Group - if Convertible, Retired Lives Reserve and FEGLI.
  

We are here to help with every step just call 877 722-8624 to discuss your options with one of our representatives.

Life Insurance is Now a Tangible Asset

Times are changing. The growing demand for more flexible financial tools has created our new indusrtry. With the development of Viaticals, Senior Settlements and High Net Worth Transactions we are now able to better meet the evolving financial planning needs of both individuals and businesses. We are proud to be a part of the new choices afforded to you and the significant benefits these new transactions represent.

Significant Solutions is setting the new standard in the realization of immediate benefits from one of the most traditional financial planning tools: Life Insurance. This once inflexible hedge tool is now a fully realizable immediate asset in many circumstances. Please continue to read and learn about this excellent opportunity and when you decide to fully evaluate the specific gains of such a transaction we will be your teammate in helping you realize the maximum benefits possible.

Who we are

Our unique positioning as your agent allows us the freedom to acquire the best offer from a range of end purchasers as we represent your interests in the transaction. We work directly with the largest portfolio managers in the industry who have underwritten over 7 billion dollars in policies. Because we do not purchase the policy directly our compensation is based soley on the maximum return we can offer to you, not the investor. Our professional team quickly assess the value of your policies based on our experience and approach the right funders for your specific transaction. We perform a very important function and in essence poll the major funding institutions to ensure you the highest return possible. The range of offers we gather may differ by as much as 50%. Having the right representation and an excellent track record makes a big difference. We take the guesswork and considerable legwork out of the process so you can concentrate on your other planning and care. Put us to work for you today.

Please feel free to call us Toll-free USA at 877 722-8624 to discuss your options with one of our representatives.

The Service We Provide

Life insurance is used to plan for future events, protect interests and support a wide range of financial goals from meeting estate taxes to hedging against all sorts of business risks. Changing circumstances may dictate a review of personal financial needs due to severe illness, new estate tax laws or a shift in a company's management. Some Life Insurance policies may no longer be necessary, cost-effective or serve the best interests of the beneficiaries. You now have options. Please do not let a policy lapse without first investigating this opportunity. We often meet individuals who just did not know they had this option and as a result lost tens and in some instances hundreds of thousands of dollars by surrendering their policy for the cash value or worse letting the policy lapse due to financial hardship. Help us spread the word and ensure the maximum benefit to hundreds of thousands of individuals who are unaware of this service and the critical assistance it may provide.

The Viatical or High Net Worth Transaction enables individuals, businesses and other organizations to sell life insurance policies they currently own but no longer want or need for an amount greater than the cash surrender value. This service allows policy owners to receive the greatest benefits from an asset they no longer wish to maintain. There is no cost to you for any evaluation of your policy and we work solely for your maximum benefit.

Important Policy Criteria

Face Amount
We can purchase policies that typically have a face value of $30,000 or more, there is no upper limit to coverages that may be purchased. Larger policys may be divided and only a portion sold.

Type of Policy
We can purchase virtually any type of policy from any carrier including individual term, whole and universal life, as well as corporate-owned policies and policies held in irrevocable life insurance trusts.

Special Considerations
We will take into consideration the insured's age, health factors, length of policy ownership, premium payments and cash value of the policy. Poor health is not always the major determination of value with these transactions. Many policy holders are happily surprised at the significantly higher benefits we acquire within the industry and your referrals have become our greatest asset.

Some excellent reasons to consider a policy sale.

Overview of the Process

Every application receives careful consideration and a timely response from a senior underwriter. This is a thoughtful and complete review of all options availiable in which our primary concern is your maximum benefit.

Comprehensive Review

We work closely with the policy owner's agent or financial adviser (or with a company's CFO or other representative in transactions involving Corporate-Owned Life Insurance [COLI] policies) to determine the viability of the sale as well as the eventual purchase price. With the insured's permission, We will request and review the current medical records from the insured's physician. We also look at the specifics of the policy, including the face amount, premium obligations, remaining cash value, type of policy, rating of the issuing insurance company and policy issue date.

Purchase Price

We will provide a purchase price to the agent or policy owner. When the offer is accepted, we will send a closing package, which includes a formal offer letter, change of ownership and notification forms.

Closing And Payment

Once the closing papers are processed, the funds are deposited into an escrow account in the name of the policy owner. When the transfer of ownership is complete, funds are released to the original policy owner.

Complete Confidentiality

We will respect and protect the confidentiality of each client with whom we work. Your health, policy and all details will remain within a closed loop and are only seen by the actual individuals involved with your policy evaluation.

Taxation on Settlements

High Net Worth Transaction may have tax implications. Usually, any amount paid for a policy in excess of the cash surrender value is treated as a capital gain. When considering this or any other financial planning option, you are advised to consult your tax adviser.

Tax Free Settlements

On August 21, 1996 President Clinton signed into law the "Health Insurance Portability and Accountability Act of 1996" (H.R. 3103 -- Pub. L. No. 104-191). One of the most significant tax provisions in the bill provides that proceeds from viatical settlements will now be tax-free in the case of "terminally ill" and "chronically ill" individuals under new section 101(g) of the Internal Revenue Code ("IRC"). This dramatic change in the law affords persons with a life expectancy of 24 months or less tax exemption and estate planning opportunities that did not exist before.

To view and print out an application, Click here.

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