Is A Life Insurance Settlement

Right For You?


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Frequently Asked Questions

After all alternatives have been considered, and the conclusion is that it is time to lapse or surrender a policy, a life settlement can offer a significantly greater value. Get in touch with LISA REHBURG Life Insurance Settlements to learn how you get more than the cash value from life policies. We work with clients in Palm Desert and across Southern California.


You may also want to read the following FAQs for more information about life settlement.

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After all alternatives have been considered, and the conclusion is that it is time to lapse or surrender a policy, a life settlement can offer a significantly greater value. 


You may also wish to read the following FAQs for more information about life insurance settlements.

What is a life insurance settlement?

A life insurance settlement is the sale of a life insurance policy to a third party for an amount greater than the cash surrender value. Typically, the sale involves an insured age 65 or older with a policy that is no longer needed, wanted, or affordable to an investment company that provides the owner of the policy with a lump sum cash settlement.


This secondary market for life insurance contracts provides an alternative to accepting the issuing insurance company's 

surrender value for the policy.

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An ongoing series of informational entries

How long does the process take?

March 15, 2018

Typically, the entire process from application to completion takes about 90 days.  It takes about 6 - 8 weeks to receive offers from investors, and about 30 days to complete the paperwork if an offer is accepted.   But, every client is different and the process can be a little longer, depending upon the circumstances.   If selling a term policy, we recommend starting at least 6 months prior to the end of the term to allow plenty of time for completion.

Does the entire face amount of the life policy have to be sold?

March 15, 2018

No, the entire policy does not have to be sold.  Any portion of the face amount can be sold.  Just let us know how much you want to sell.
 

What is the minimum face value of a policy that can be sold?

March 15, 2018

The minimum face value can be as low as $100,000.

How do investors determine how much they will pay for a policy?

March 15, 2018

Each client and situation are unique, as are each investor group's objectives.   There are many factors used to determine the value of a policy, but the basics are:
  • Age
  • Health History
  • Policy Face Value
  • Type of Policy
  • Premium
  • Policy Loans
  • And more...

How can the proceeds from a life insurance settlement be used? 

January 15, 2018

  • Create Capital for Charitable Giving
  • Supplement Income
  • Fund Investments
  • Provide for Educational Funds or Current Gifts
  • Create Capital for Business Opportunities
  • Pay for Medical Services
  • Lower Debt
  • Purchase Annuities
  • Save for Long-Term Care
  • ANYTHING - the Proceeds Are Unrestricted

W​hat types of policies can qualify for a life insurance settlement?

February 14, 2018

  • Universal Life
  • Term
  • Whole Life
  • First-to-Die
  • Second- to- Die
  • Group, If Convertible

What are th​e most common life insurance settlement situations?

March 15, 2018

  • The Sale of a Business or Illiquid Asset
  • Business Owner Retiring or Exiting the Business
  • A Decline in Estate Value and/or Decrease in Estate Tax Liability
  • Term Policies or Riders That Are About to Expire, Lose Their Conversion Privilege, or Come to the End of Their Current Premium Guarantee.
  • Retirement
  • The Policy Is No Longer Affordable Due to Policy Performance
  • Chronic Illness 

Our Blog

An ongoing series of informational entries

D​oes it cost anything to apply?

March 15, 2018

We are passionate about taking care of clients, and believe we need to earn your business!  There is no cost to apply and there is no obligation.   If the client does not approve of the amount offered by an investor, that client can simply walk away.   It can't hurt to try - It can only hurt not to!


                                                                             Contact us today for a

                                                                      Free - No Obligation Appraisal

How can I receive more information about life insurance settlements​?

March 15, 2018

Please feel free to call or email us if you would like to discuss a potential life insurance settlement situation,  have any questions or would like additional information.  We are delighted to help!  We also have a 20-page consumer brochure available which is published by the Life Insurance Settlements Association (LISA), as well as a brief informational flyer.   To request a copy of the brochure or flyer, please contact us or fill out the form on our "contact us" page, and we will send it to you.  Thank you for the opportunity to be of service!

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Rehburg Life Insurance Settlements

Free – No Obligation Appraisal

It can’t hurt to try. It can only hurt not to!

Phone: (714) 349-7981 | Email: [email protected]

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