Yes, technically you can sell a Universal Life policy.
…but you probably don’t qualify.
Still it’s worth checking just to be sure. Use the calculator to see what your ul policy is worth when represented by a life settlement broker or call us when you’re ready.
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If You Are "Qualified", Universal Life policies Are Among The Most Valuable For Life Settlement Purposes
Despite all of the ads and commercials suggesting otherwise, most people will not qualify for a life settlement. However, if a universal life policyholder happens to qualify, their cases are among the most valuable in the life settlement market. They secure especially high offers when represented by a professional life settlement broker.
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 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.
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.
