Selling Your Universal Life Policy?
Universal Life policies are among the most valuable policies on the life settlement market. If you’re over age 75 with a universal life policy, call us today.
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Universal Life Policies Are Assets
Just like a house. you can sell it for cash as you would any other asset.
Receive A Single Cash payment
Receive a single payment in full for your universal life insurance policy.
Get Relief From Premiums.
The new owner takes over the future premiums.
Why Are Universal Life policies so valuable?
Universal Life insurance policies are among the most valuable policies in the life settlement market. For starters, they offer both a death benefit and a cash value component. They offer flexibility, investment potential, and a convertible feature. Potential buyers of Universal Life policies are interested in these policies for many of the same reasons that you invested in this type of policy many years ago.
Why Potential Buyers Want Your UL Policy
Cash Value Accumulation
Universal Life insurance policies have a cash value component that accumulates over time. This cash value represents the amount available to the policyholder while alive and is a key factor in determining the policy’s market value in a life settlement. Investors may find policies with substantial cash values more attractive, as it provides them with a hedge and a potential return on investment.
Tax Advantages
The cash value in a Universal Life policy grows on a tax-deferred basis. Additionally, policyholders may be able to access the cash value through policy loans or withdrawals on a tax-advantaged basis.
Investment Potential
Some Universal Life policies allow policyholders to allocate cash value to different investment options, such as equity funds or fixed accounts. If the policy’s cash value has been invested and has seen positive returns, it can contribute to the policy’s overall value.
Do You Qualify To Sell your universal Life policy?
The value of a Universal Life insurance policy in the life settlement market is determined by various factors including the policy specifics, the insured’s health, and the insured’s current financial situation.
Does Your Policy Have Cash Value?
The cash value can be used to cover premiums, taken as a loan, or withdrawn, providing a level of financial flexibility.
Is Your Policy's Face Amount $100,000 Or More?
Buyers of Universal Life insurance policies are most interested in those with at least $100K in face amount.
Are You Over Age 75 Or Living With Significant Health Impairments?
While the age and health of the insured are important factors for any life settlement, Universal Life policies on individuals with shorter life expectancies due to advanced age or health issues can be particularly valuable.
If you fall into this category, speak to a life settlement broker about getting your policy in front of as many buyers as possible to secure the highest amount possible.