29%
Fully retired Americans who have been spending more than they expected in retirement
Source: Thrivent Financial
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Example Life Settlement
Policy Owner:
78 Year Old Female
Policy Value:
$1,000,000
Cash Surrender Value (CSV):
$0
Gross Offer for Policy:
$405,000
40.5% of policy value
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You 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
Senior Policy Owners
Thinking About a Life Settlement? Think CharlesEdwards!
Needs Change
CharlesEdwards, an exclusive life settlement broker, knows that your needs change over time. Your health, the needs of your family, your financial condition—they all drive changes in your life.
When you purchased your life insurance policy, you probably had different needs than you do today. Read some of the reasons why individuals with changing needs, perhaps just like you, chose to sell their life insurance policy in a life settlement:
“I just couldn’t afford my premiums any longer. The only other choices were to lose everything by allowing the policy to lapse or get just a few dollars by surrendering the policy to the carrier. I almost didn’t find out about life settlements, but I’m glad I did.”
“We planned for our retirement years, but we just weren’t prepared for the high cost of medicine and long term care costs. The cash from our life settlement makes it possible for us to live the quality of life we deserve.”
"My wife, who was my beneficiary, died last year. I do not want to burden my children with my upcoming long term care costs, and want to remain independent for the rest of my life. My life settlement has given me great peace of mind!"
“Our kids are all financially stable and they don’t need the insurance proceeds from when we’re gone. We decided to use the cash from our life settlement to travel and enjoy our retirement years without eating into the funds we saved for living expenses. We feel like we won the lottery!”
“As parents, we have always been there for our children. Our son lost his job last year. With the cash from our life settlement, we can help him and his family to keep their home by giving them the money to make their mortgage payments while he’s unemployed.”
“The company I ran was purchased by a large conglomerate and I was laid off. As part of my severance, they gave me the key man life insurance policy that the company had initiated on me years ago. I couldn’t afford the high premiums but when I heard about a life settlement, I sold it. The cash we received was enough for my wife and me to reach our financial retirement goals.”
These examples serve to point out how needs change during a lifetime.
Have YOUR Needs Changed?
Why not look into a life settlement through CharlesEdwards? Call us at 800.492.5186 or email us today.
Who's Eligible To Sell Their Life Insurance Policy?
Individuals, trusts, banks, corporations and charitable organizations owning policies that meet these guidelines will be considered for representation by CharlesEdwards:
- The insured must be at least 65 years of age
- The face amount of the policy is no less than $250,000
- The average life expectancy of the insured must be between 24 and 168 months
- The insured is not terminally ill
- The policy is beyond the two-year contestability period and must be transferable
- The policy type is universal, convertible term, survivorship, whole life, Key Man, COLI, or BOLI.
- The policy was issued by a U.S. life insurance company
Fiduciary Duty Comes First. Always.
CharlesEdwards, the trusted name in life settlements, conducts every transaction with the highest degree of integrity and in the full light of day. When we say we are transparent, we actually mean it.
Before we begin representation, you complete a Suitability Questionnaire that answers many of your questions but also serves to identify whether a life insurance settlement is a suitable choice for you.
If you want to proceed, we provide you with a representation agreement that discloses all fees and commissions before you sign it. That’s right, all fees and commissions.
We never charge you any fees if you choose not to sell your policy. There are never any hidden charges or surprises. All original offers along with commissions and fees are presented to you for your review.
Suitability
Full Disclosure
Full Transparency
Ethics
That’s CharlesEdwards!
