The document outlines the benefits of senior life settlements as a financial tool for clients seeking financial freedom. It explains the process of selling life insurance policies to third parties, which can offer immediate monetary value, and highlights the potential for income generation for advisors. The Lifeline program® provides guidance and support to facilitate this process for individuals interested in life settlements.

1. FORECASTING
FINANCIAL FREEDOM

2. RAIN OR SHINE,
WHETHER THE OUTLOOK IS SUNNY OR BLEAK,
WE’RE HERE TO HELP.

3. FOR YOUR CLIENTS & FOR YOU:
LIFE SETTLEMENTS FROM
THE LIFELINE PROGRAM®
AN OPTION THAT MAKES SENSE THE IDEA BEHIND THE CONCEPT
Senior Life Settlements are a new and innovative estate-planning vehicle Each year, millions of Americans purchase life insurance, sometimes for
that offers both you and your clients significant benefits and advantages. reasons as unique as they are, and sometimes simply to plan for the
unthinkable. However, very few individuals understand that life insurance is a
By providing your clients the opportunity to sell their existing life insurance financial asset that can deliver value to them while they are alive to enjoy it.
policies, Life Settlements can help them benefit from assets that aren’t
living up to their expectations, meeting their current needs or bringing Just like homes, cars, and collectibles, life insurance policies have intrinsic
them closer to achieving their goals and dreams. monetary value, which means that they can be purchased and that they can
also be sold. A Life Settlement simply involves the sale of a life insurance
Life Settlements can truly make a difference in the lives of your clients
policy to a third party for less than its expected death benefit but more than
while also providing you with a lucrative means to increase your income
its surrender value, and it’s an idea whose day has come.
and diversify your business. By introducing this opportunity, you can help
your clients gain financial benefits they may never have realized were
available to them.

4. WHY
LIFE SETTLEMENTS
WORK

5. HOW HELPING YOUR CLIENT
CAN BENEFIT YOU

6. WATCH OUR
EDUCATIONAL VIDEO FEATURING
BETTY WHITE

7. WORK WITH AN INDUSTRY LEADER

8. POLICY
EVALUATION GUIDE
To quickly determine if a client’s life insurance policy may be eligible for a Life
Settlement, simply follow the flow chart below. If you have questions, concerns or
require more information, please contact The Lifeline Program ® at 1.800.252.5282.
IS THE DOES THE HAVE A
FACE INSURED HAVE SCORE
IS GREATER
AMOUNT A MAJOR TYPE
INSURED THAN 6 ON
GREATER CONDITION OF
65 OR THE LIFELINE
THAN WITH A LIFE POLICY?
OLDER? PROGRAM ®
$250,000? EXPECTANCY OF
2-6 YEARS? QUALIFYING
WORKSHEET?
VUL, UL,
IS TERM
TERM WL JOINT
CONVERTIBLE?
DOES THE INSURED HAVE A SURVIVORSHIP
MAJOR MEDICAL CONDITION WITH
A LIFE EXPECTANCY OF LESS
THAN TWO YEARS?

9. HOW TO
MAKE IT HAPPEN
1 Use our Policy Evaluation Guide to help pre-qualify your client.
If your client meets our pre-qualification criteria, complete our
Pre-Qualifying Worksheet with information about your client and
submit that to us.
2 If we pre-qualify your client, have your client sign authorization
forms and provide those to us, along with a copy of the insurance
policy itself.
3 Once we have those signed authorizations, we request medical
records from the insured’s physician and provide those to an
independent specialist to obtain a life expectancy estimate, while
we also verify policy coverage through the insured’s insurance carrier.
4 If the policy meets our purchasing criteria, we will make an offer
to purchase the policy.
5 If the policyowner accepts the offer, we issue a settlement contract
package to the policyseller for completion & signatures.
6 Once we receive the settlement contract package properly completed
and signed, we place the contract proceeds into escrow and then
send a change of ownership and beneficiary request to the insurance
carrier while continuing to prepare the transaction for closing.
7 Within 72 hours of receipt of written confirmation from the insurer
that policy ownership and beneficiaries have been changed as we
request, the transaction closes and escrow is released.
8 Any commissions or fees which we have agreed to pay to you for
closing the transaction are paid after the rescission period available
to the policyseller expires, if there is no rescission.

10. 1979 LAKESIDE PARKWAY SECOND FLOOR ATLANTA, GA 30084