Take a look at what we have been able to do for our clients with unneeded life insurance policies. Settlements in the secondary market make the difference and there is actual proof below. People with life expectancies of 5 years or less on average get 50-80% of the face value of the policy. Policyholders with life expectancies of more than 5 years on average receive 25-50% of the face value.

Case Study 1
Client: 72 years old with some health issues. 6-year life expectancy
Policy Value: $200,000
Buyout price negotiated by Diversified Alliance Funding: $83,500
Client used funds to purchase long-term care

Case Study 2
Client: 72 years old with some health issues. 5-year life expectancy
Policy Value: $4,000,000
Buyout price negotiated by Diversified Alliance Funding: $2.0 million
Client used funds to purchase new investments

Case Study 3
Client: 45 years old with cancer. 1-year life expectancy
Policy Value: $1,000,000
Buyout price negotiated by Diversified Alliance Funding: $680,000 Tax Free
Solution: Client used funds to pay debt from medical bills

Case Study 4
Client: 43 years old with cancer. Less than 1-year life expectancy
Policy Value: $50,000
Buyout price negotiated by Diversified Alliance Funding: $37,000 Tax Free
Solution: Client used funds to pay debt from medical bills, obtain new treatment, and have extra cash for family

What determines value of a policy?

Face value of the policy
Estimated life expectancy of the insured
Loans against the policy
Rating of the insurance carrier
Cash value of the policy
Type of policy and prevailing interest rates
Premium payments required to keep the policy in force