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Would You Rather? $100,000 or $30,000

Posted: February 10, 2021 by John Welcom

Jerry purchased a $500,000 Universal Life policy seven years ago to provide his wife with “peace of mind.” Unfortunately, he could no longer afford the premium payments and contemplated letting the policy go.

When Buyers Compete, Policy Owners Win! 

Jerry purchased a $500,000 Universal Life policy seven years ago to provide his wife with “peace of mind.” Unfortunately, he could no longer afford the premium payments and contemplated letting the policy go. Jerry’s wife saw a TV commercial from a direct buyer, called a life settlement provider, about selling a life insurance policy for cash. Jerry decided to call the direct buyer and after waiting several months, he was offered $30,000 for his policy. Jerry was skeptical and thought the purchase price was low given his age and health history. He then contacted Welcome Funds, “just to be sure.” Welcome Funds conducted a transparent auction securing a total of 10 offers. In the end, Jerry and his wife received a check for $100,000, 233% more than the offer from the direct buyer!

Policy's Insured ....................Male | Age 78
Health Status ........................Fair
Policy Type ...........................Universal Life
Face Amount ........................$500,000
Annual Premium ...................$20,794
Surrender Value ....................$13,794

Life Settlement Payout.... $100,000

Disclaimer: Services may not be available in all states. The above case study is taken from the internal files of Welcome Funds. Case studies are provided for informational and educational purposes only. Results may vary. Qualification is based on age, health, and future premium costs, and not all policies will qualify for an offer. The client’s name has been changed to protect his privacy. The following summary represents the transactional averages of Welcome Funds Inc. for policies closed between 7/1/2020 to 12/31/2020: $277,650 net amount paid to seller; 24.98% of net death benefit paid to seller; 12 bids negotiated per closed policy; and insured age of 76.58. $800 million paid to our clients and 25,000 offers negotiated are based on actual transactions completed by Welcome Funds Inc. since its inception.

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