62%

The number of life agents who did not discuss the possibility of a life settlement with any of their clients who surrendered a policy

Source: 2008 Agent Media Study

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Example Life Settlement

Policy Owner:
66 Year Old Male
Policy Value:
$5,000,000
Cash Surrender Value (CSV)
$733,000
Gross Offer for Policy
$1,970,000
39.4% of policy value
================

Your client could be eligible right now for a life settlement!

Call us for a quick evaluation.  It’s free and there is no obligation!

Call toll free
800.492.5186

 
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Life Settlements: Advisors & Agents

Attorneys, CPAs, Estate Planners, Financial Planners, Life Agents and other financial professionals throughout the country are already reaping rewards for their clients and themselves by discovering life settlements as a sensible strategy for their clients.

 

Past studies have indicated that of the agents who did not plan to transact a life settlement, 65% said it was only because they did not know enough about life settlements to transact one.  Agents and professionals working through CharlesEdwards need not worry, however, because CharlesEdwards not only takes the guesswork out of each transaction—we take all the work out of each transaction! 

What Are the Benefits to Me as an Advisor or Agent?

  • You may earn referral and other commissions on the settlement. Check out our commission and bonus programs here.
  • If you are the original life producer, you continue to earn renewal commissions on the existing policy
  • As a life producer, you earn new commissions on any new policies sold
  • As a life producer, you earn commissions on converted term policies
  • As a lawyer or financial advisor, you earn fees for your services in connection with the reinvestment of the client’s funds
  • You have acted in the best interest of your client
  • You do as little or as much as you desire in the transaction—freeing up time for other clients

What Are Some Reasons Why My Client Would Sell Their Policy?

There are many reasons why a client would sell their unwanted or unneeded policy. Listed below are just a few of the more common reasons:

  • The policy is being surrendered or lapsing because premiums are unaffordable
  • The policy owner wants funds to travel and enjoy life
  • Funds are needed to pay for long-term care or the rising cost of living in retirement
  • The policy’s performance does not meet expectations
  • There is a change in insurance or investment needs
  • Funds used to replace losses from real estate, the stock market, or other investments
  • The policy owner wants funds to donate to their charity or religious organization
  • Funds are needed to provide for grandchildren’s education
  • Funds are needed to help family members with a mortgage crisis or unemployment
  • The policy is no longer needed because of a change in estate value or expected tax
  • Liquidation of assets in a bankruptcy
  • A family-owned business needs the cash to keep the business solvent
  • Employment termination where the employee was given the COLI or Key Man policy, but they don’t want or can’t afford the premiums

WANT TO SEE MORE REASONS?

How Do I Know Which Clients Qualify For a Life Settlement?

If you have a client who:

  • is at least 65 years old,
  • is not terminally ill,
  • has a life insurance policy with a face amount between $250,000 and $100 Million, and
  • the policy is past the two-year contestability period,

your client may be a candidate for a life settlement. 

 

Think you have some potential candidates? Don’t waste another minute. Policy owners are receiving lump sum cash settlements ranging from 10% to 40% of their policy’s face value.

 

Call us toll free at 800.492.5186 before you contact your client. We’ll give you a free evaluation while you’re on the phone. 

 

Or, if you prefer, you can email us about your client. We’ll evaluate them and get back to you.

 

We pride ourselves on service, so don’t be surprised if you get an immediate reply.

 

That’s CharlesEdwards!

Some Life Settlement Brokers Require You to Prepare All the Documentation. We Don’t.

With CharlesEdwards, you make the referral and we do all the work—from day one until your client receives their cash settlement. As your partner, we keep you informed every step of the way, allowing you the time to continue providing great service to your other clients. 

 

We will even provide you the marketing materials to use in prospecting for your life settlement clients. Now, that’s a turnkey program. That’s CharlesEdwards!

 

Don’t hesitate any longer. Call one of our representatives today! We’ll show you just how easy it is to help your client make the sensible choice for their financial future.

FIDUCIARY DUTY COMES FIRST. ALWAYS.

CharlesEdwards conducts every transaction with the highest integrity and in the full light of day. In other words, when we say we are transparent, we actually mean it. 

 

Before we begin representation, our clients complete a Suitability Questionnaire that answers many of their questions but also serves to identify whether a life insurance settlement is a suitable choice for them. If they find that they want to proceed, our representation agreement discloses all fees and commissions in advance of their signing. That’s right, all fees and commissions. And we never charge our clients any fees if they choose not to sell their policy. There are never any hidden charges or surprises.  All original offers along with commissions and fees are presented to our clients for their review.

 

First in fiduciary duty

Superior service

Fast execution

Low client commissions

Excellent referral commissions paid to you

We do all the work. Always.

That’s CharlesEdwards!




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