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More Help than her Insurance Company would have Given her
Female age 49 diagnosed with cancer had a $1,000,000 term policy that she can no longer afford due to medical expenses. The surrender value of the policy was only $80,373. She decided to complete a life insurance redemption with ALIR and received $305,000 for her policy in addition to relieving herself of the premium payment. ALIR was able to give her $224,627 more than her insurance company would have given her.
Almost Triple what his Insurance Company...
Male age 77 had a $400,000 Universal Life policy.
The surrender value of the policy was only $58,253.
He decided to conduct a life settlement transaction with ALIR and received $151,000 which is almost triple what his insurance company would have given him.
Reduction In Estate Eliminates Need for Life Insurance:
A female, age 83 had taken out a life insurance policy in order to cover the taxes on her estate. In time, her estate no longer required insurance coverage for tax planning. She held a whole life policy of $2Million, with a $78,720 annual premium. Her surrender value was $89,000. With a life settlement transaction through ALIR she received $320,000 - which is a net gain of $231,000 over the surrender value.
Term Policy Nets $107,500 - Creates Independent Lifestyle for Mother:
A middle age son was worried about his mother, a healthy female of 74. She wanted to remain independent, yet since being widowed several years earlier it was becoming more difficult to do so. She had a $500,000 term policy with a surrender value of zero and made $11,660 in annual premium payments. Through a life settlement transaction with ALIR she received $107,500 for her policy. She lives independently, eliminated her premium payments and lives a quality lifestyle. Net Gain: $107,500.
A Good Financial Decision:
A healthy, male business owner, age 76 had three combined universal life insurance policies worth $2M. He made a business decision to take the fair market value for his policies and eliminate a business expense. His policies of $2M had a cash surrender value of $308K. By completing a life settlement transaction through ALIR, he received $600K for the policies and eliminated $50,528 in annual premium payments. This is a net gain of $292,000.
Redemption of Government Group Life Policy Saves Widow’s Home:
A healthy senior female, age 66 was a widow. She held a Federal Employee Group Life Insurance policy of $70,500. She couldn’t afford her house payments any longer and her home was being foreclosed upon. She received $20,000 through an ALIR Life Settlement transaction for her policy, had her foreclosure notice overturned and was able to keep her home.
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