Life Policies

Policy Parameters

Life Settlements can be a great alternative to a lapsed or surrendered policy and provide liquidity with one of your most important assets.

Policy / Age

The policy must be at least 2 years old, and the insured must be over 65 years of age.

Death Benefit

The policy amount must be at least

$100,000.

Type of Policies

TERM, Universal Life (UL), Indexed Universal Life (IUL), Survivorship Universal Life (SUL), Whole Life (WL), Variable

Selling a Business/ New Ownership

A buy-sell policy may no longer be needed once the business ends or retirement.

Policy No Longer Affordable

Many policy owners are now facing premium increases far beyond what they can afford.

Reduced Estate Value or Lower Estate Tax Liability

Economic struggles and lower estate taxes make this scenario common.

Expiring Term Policy

Term policies, usually without cash value, can yield unexpected cash through a life settlement.

Terminal or Chronic Illness

Serious illnesses can make life settlements vital for covering costly care when insurance alone isn’t enough.

Other

Divorce, high healthcare costs, underperforming policies, cash needs, or policies outliving their purpose.

24 Hour Policy Valuation Reports

WFI Health Insurance Services delivers Life Settlement valuation reports within 24 hours or less. Get a detailed policy appraisal and quickly find out if a policy qualifies for a Life Settlement and how much it may be worth.

Satisfaction Promise

We are known for our quality service, speed, and transparency. We’re so confident in our work that we offer this pledge: if, within seven calendar days of receiving a written final purchase offer for your policy, you notify us in writing, with your signature, that you no longer wish to work with us because you are not satisfied with our work, we will provide you with copies of all available non-proprietary documents in your policy file.

Life Policies and Settlements

What is a life Settlement?