The Life Settlement Alliance, Inc. offers a revolutionary service that has brought significantly more value to life insurance products. When properly applied life settlements offer an opportunity for you and your clients to benefit from no longer wanted or needed life insurance.

Life settlements can be used in situations when your clients circumstances or needs change. The majority of life settlement transactions are entered into to fund other valuable financial or insurance products. The following are some examples of how life settlements can be applied to you and your clients changing needs and goals.

Benefits for the Financial Professional

• Create new capital for your client
• Sell more needed or cost effective life products or annuities
• Reduce lapse rates
• Keep original policy in force
• Offer a creative valuable service to your clients
• Receive extra commissions through our referral program
• Keep renewal and trailer incomes

Policy Owner Applications

• Purchase life insurance to cover estate taxes
• Estate size changes creating the need for a larger or smaller face value to cover taxes
• Fund new more cost effective coverage
• Fund a life product that better suits individual needs
• Purchase a survivorship policy
• Pay off a debt
• Funds for a charitable gift / Gift to family members
• Create funds to invest elsewhere
• More valuable alternative than surrendering a policy
• Purchase long term care insurance

Business Applications

• Key-man insurance no longer needed
• Buy/sell agreement is no longer needed due to a company sale
• Purchase a minority interest in a business
• Bankruptcy creates need for liquidation
• Pay off company debt