Historically, uncertainty in financial markets increases life insurance lapse activity. Think about your parents and the large number of baby boomers who are retiring every day or already retired. What are they worried about?

According to the 2023 Transamerica Center for Retirement Studies Report, the most often cited retirement fears are declining health that requires long-term care (36%), Social Security will be reduced or cease to exist in the future (36%), outliving their savings and investments (35%), possible long-term care costs (30%), not being able to meet the financial needs of their family (30%), and cognitive decline, dementia, Alzheimer’s Disease (29%).

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Success Stories

Meet James. Age 75
INSURED
James, 72

Business was sold, and the policy was no longer needed
Business owner was able to receive additional value above and beyond the sale of the company.

Type of Policy
Term Conversion
Policy Face Value
5,000,000
Cash Surrender Value
0
Life Settlement Value
750,000
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Thomas and Katherine
INSURED
Thomas, 82 & Katherine, 79

Their needs had changed, and they no longer needed the policy
They were able to uncover significant liquidity and fund their retirement.

Type of Policy
Survivorship GUL
Policy Face Value
10,000,000
Cash Surrender Value
69,000
Life Settlement Value
2,800,000
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Meet Edna.
INSURED
Edna, 91

Donated policy to a charity ran out of cash value to pay premiums
Donor was able to create a living legacy and enjoy seeing the gift used while living.

Type of Policy
Universal Life
Policy Face Value
350,000
Cash Surrender Value
4,500
Life Settlement Value
140,000
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