Reasons to consider
a Life Settlement:

• A highly liquid estate may no longer require life insurance to pay estate taxes
• A reduction in estate size may mean less insurance is needed for projected taxes
• Premiums may no longer be affordable
• Vanishing premiums have reappeared
• Large loans against the policy make it too expensive
• An individual may desire to remove a policy from an estate
• A change in survivorship coverage may be beneficial
• A policy is owned by a corporation on an executive who is no longer with the company
• Insurance was acquired to fund a buy-sell or stock redemption agreement, and the company/partnership has been sold or dissolved

Proceeds from the sale may be used in any way the recipient desires.
Common uses include:

• Purchase of additional securities, mutual funds, annuities, or other types of life insurance
• Payment for long-term care insurance or other asset protection tools
• Funding a charitable gift, charitable lead trust, charitable remainder trust, or gift annuity
• Payment of gift taxes
• Purchase of stock from a business partner

1435 Morris Ave. • P.O. Box 3137 • Union, NJ 07083
1-800-388-0103 • email info@execlife.com