Life Insurance

AC Associates
AC Associates now offers the LIFELINE SENIOR PROGRAM
for individuals  aged 65 and over who no longer has a need for their  Life Insurance Policy.

You now have the option of selling your policy to us. This is a smart alternative instead of
letting the policy lapse or cashing out the relatively low cash surrender value.

Contact us now to learn more about this program and receive a free, no obligation
evaluation.
When a life settlement should be
considered:
  • Policy no longer needed
  • Investment projections have not
    materialized
  • Premiums too expensive
  • Medical/long term care required
  • Charitable/family gifting desired
  • Employment status changes
  • Business Uses - Key man, split-
    dollar, or buy-sell agreements
  • Irrevocable life insurance trusts
    (ILIT)
  • Bankruptcy
Life settlement

A life settlement is a financial transaction in which a policy owner possessing an unneeded or unwanted
life insurance policy sells the policy to a third party for more than the cash value offered by the life
insurance company. The seller receives immediate cash for the policy from the purchasing entity which
becomes the new beneficiary of the policy at maturation and is responsible for all premium payments
from the time of the purchase until the seller passes away.

Life settlements are an important development in that they have opened a secondary market for life
insurance in which policy owners can access fair market value for their policies, rather than accepting the
lower cash surrender value from the issuing life insurance company.

Generally speaking, life settlements are an option for high-net-worth policy owners age 65 or older.
Independent estimates report that among this group, 20% of policies have a market value that exceeds
the cash value offered by the carrier. And while many policy owners are unfamiliar with life settlements
until a financial professional mentions the option to them, the concept has gained attention from
high-profile proponents such as Warren Buffett, former U.S. Representative Bill Gradison, and numerous
media sources including The Wall Street Journal, Time Magazine and The Economist. A growing number
of experts now believe that informing clients about offering life settlements should fall under the fiduciary
duty of a financial advisor.

Read More on LIFE SETTLEMENTS
Contact us so we can provide the necessary information for you to take
advantage of this program.
Don't let your Policy lapse.
Receive the money you deserve today.
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