GET CASH FOR YOUR LIFE INSURANCE!

Did you know you can now sell your unwanted, un-needed or no longer affordable life insurance policy for CASH? That's a fact insurance companies do not want you to know!

POLICIES USA specializes in helping retired pilots (65 and older) and other seniors receive cash from their policies through a unique LIFE SETTLEMENT process.

Even TERM insurance can yield cash. No physical required. No Hassles Don`t let your insurance lapse, or accept any cash value offered, until you obtain a free appraisal.

Life Insurance Settlements

Many seniors living on fixed incomes from company or government pensions plans are finding it increasingly difficult to manage all of their expenses. While prices are going up, pensions frequently do not increase at nearly the same rate and as a result seniors have tough decisions to make about various things that they would like to have, but can no longer afford.

Unfortunately, one of these areas is life insurance. Many are forced to allow their life insurance to lapse simply because they can no longer afford the premium payments.

NOW THERE IS AN ALTERNATIVE TO ALLOWING LIFE INSURANCE TO LAPSE! This little know alternative plan is called a "Life Settlement."
POLICIES USA is a leader in the multi-billion dollar industry of providing LIFE SETTLEMENTS!

Simply put, a life settlement occurs when you sell your life insurance to an outside investor who agrees to continue paying the life insurance premiums and will collect the life insurance upon your death. In return the investor will pay you, at the time of purchase a life settlement, an amount which will be a less than that of the face value of the life insurance, but MORE than the cash surrender value of the policy.

The life settlement amount is determined by a number of factors.
Typically your life settlement amount will be determined by such factors as the original amount of the life insurance, your life expectancy, your health, the cost of the premiums, current and projected interest rates and the rating of the insurance company that is providing the current life insurance coverage.

Seniors on fixed incomes can use this settlement money for whatever they need. In some cases they will pay off medical bills or use the funds to make their lives more comfortable. Others will use the funds to purchase a few gifts for the family, a new home, or go on a dream vacation. However you use the funds, this approach is much better than simply allowing the life insurance cover to lapse and receiving nothing at all! You also receive the funds NOW instead of in your estate after you have passed on.

Regardless of your plans for the use of your life settlement, it costs nothing to look into your options.

POLICIES USA will give you an estimate based on an evaluation of the information you provide us about your insurance and your health. Of course, this is only an estimate and the actual cash settlement will depend on the final appraisal and value that the investor who bid on your life insurance settlement will provide.

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case studies

Richard F., Scranton, PA, age 70, is a retired airline pilot in good health.  Since his children were grown he no longer needed his $2,000,000 convertible term policy. He considered letting it lapse rather than continue paying the high monthly premiums, and he assumed there was no cash value for a term policy.  He heard about Policies USA and was surprised to learn that a term policy could yield cash.  We negotiated a Life Settlement of $235,000.  He used part of the funds to buy a sailboat. 

A 70 year old man, decides to take a world cruise and enjoy the rest of his life on sandy beaches. This man decides that he no longer wants to keep making payments on his policy and is able to use the life insurance settlements approach to make it happen.

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• The benefits of life insurance settlements
• How do I know if I qualify?
• What is involved in a life settlement process?

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