Statistics show that 90% of life insurance policies either lapse or are surrendered. That means a large sum of money is often left uncollected.

But now, seniors have an option to leverage insurance assets through The Premium Recovery Solution™.

The Premium Recovery Solution™ gives seniors an exit strategy from life insurance policies that have become too expensive, underperform, or that no longer meet their original needs.

The Premium Recovery Solution™ is the sale of a life insurance policy to institutional investors who have the financial means and sophistication to hedge and pool their risks. This payment will be substantially more than the policy surrender value – but less than the full amount of the policy’s death benefit. The institutional investor becomes the policy owner, beneficiary, and premium payor.

Selling your life insurance policy as part of a broader financial planning strategy may be a prudent financial decision for high net worth seniors who face changing life circumstances.

The proceeds are often used to buy a more cost effective life insurance policy or an annuity, to purchase long term care insurance, or even to provide cash gifts to family members.