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Before You Let a Policy Lapse, Check Its Value
Before you lapse or surrender a life insurance policy, find out if it has market value.
Many seniors give up old policies because the premiums are too high or the coverage is no longer needed. But that policy may be worth more than the cash surrender value from the insurance company.
A life settlement may allow you to sell the policy for cash instead of letting it disappear. The buyer takes over future premiums and receives the death benefit later.
This can be especially important for older policies, universal life policies, or term policies that may be convertible. Even if you no longer want the coverage, someone else may see value in it.
Not every policy qualifies, but it costs nothing to check.
Visit Policy-Cash.com for a free policy review before you lapse or surrender your coverage.
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Saul L. Appel, CLU®, ChFC® | President, Appel Financial, Inc. | 50+ years experience 617-610-1898 | appelfinancial@gmail.com | www.appellifesettlements.com