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Life Settlements: A Guide for a Successful Senior Settlement

Individual Benefits, Inc., a Life Settlement Company, provides Senior Settlement transactions for the senior insured. Since 1992, Individual Benefits has been helping policy owners sell their existing life insurance policy as a licensed viatical settlement brokerage firm ( In 1998, the concept of a Life Settlement was introduced. A Life Settlement involves the sale by a senior policy owner (age 65 or older) of an existing life insurance policy for a cash settlement.

This Senior Settlement will be less than the death benefit, but more than the cash surrender value. Individual Benefits is your best source for converting your life insurance policy into cash today. We at Individual Benefits, Inc. are here to answer your every question and to offer our wealth of industry knowledge and expertise on your individual situation.


The Secondary Market for Senior Settlement Transactions

The Life Settlement Industry provides a unique financial service to policyholders to use their life insurance policy as a liquid financial asset. A Life Settlement involves the sale or transference of an existing life insurance policy in exchange for compensation, monetary or otherwise. It is an invaluable service for those in need of financial assistance or a timely alternative for senior individuals re-assessing their estate planning situation.

How much will I receive?

The amount you will receive in a Life Settlement reflects the discounted future value of your life insurance proceeds. There are several important factors in the computation of this "present value" amount. These factors include the health condition of the insured, the annual cost of maintaining premium payments, and a discount rate.

When should a Life Settlement be considered?

  • When life insurance premiums become too expensive to continue
  • When re-evaluating your estate planning
  • When a key man of an organization retires
  • When there is a change in your health condition
  • When the policy may be approaching a lapse
  • When considering purchasing new insurance coverage, such as Long Term Care coverage

Why choose Individual Benefits?

Individual Benefits is one of the most broadly licensed Life Settlement firms in the nation. Since we were among the early participants in the industry, our many years in the Life Insurance Settlement business have made us an industry leader with an impeccable record. Our superior customer service has produced excellent relations with the most prominent and secure investment sources providing unparallel leverage to negotiate on your behalf. With Individual Benefits you can count on the highest level of service and integrity.

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