LIBI

LIFE INSURANCE BUYERS, INC. 1.800.936.5508

Since 1995

What is the Value of a Policy?


The present market value of a policy is determined by the following factors:


    * Premiums required to maintain policy

    * Current cash values or loans, if any

    * Financial status of the insurance company

    * Age and health of the insured

    * Life actuarial tables

    * Current market interest rates



What are the qualification parameters?


The Insured - Seniors are 65 and up, less if in poor health,


Ownership - The insured, a trust, corporation, or any entity can own the policy.


Policies Considered:


    * Minimum face amount of $50,000

    * Insurance carrier rating - S & P - A

    * Policy is past the contestable 2 year period  (some states require 5 year ownership)

 

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