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we make life settlements
easy.
betty white, award winning actress
WE ARE LIFE SETTLEMENTS
WE ARE THE LIFELINE PROGRAM®
01
WE INCREASE YOUR
PROFITABILITY
A LIFE SETTLEMENT IS THE SALE OF AN EXISTING life settlements increase profits
LIFE INSURANCE POLICY TO A THIRD PARTY FOR and performance by –
MORE THAN ITS CASH VALUE BUT LESS THAN ITS + Generating a commission from the actual transaction
EXPECTED NET DEATH BENEFIT. ON THE + Keeping policies that you might have originally sold
SURFACE THIS MAY SEEM LIKE A RELATIVELY in force allowing you to continue to receive residual
commissions from the insurer
ORDINARY FINANCIAL TRANSACTION, BUT
+ Creating additional revenue as policyowners
WHEN YOU LOOK AT THE NUMBERS, BENEFITS oftentimes utilize a portion of the proceeds from
AND THE IMPACT THEY CAN HAVE ON THE their life settlement to purchase alternative
insurance coverage
BOTTOM LINE, THERE IS NO DEBATE THAT LIFE
+ Allowing further penetration with existing clients
SETTLEMENTS ARE TRULY REVOLUTIONARY.
02
A simple calculation
tells a powerful story
1 life settlement a month with
$1 million average policy face value for
5 percent commission*
= $600,000 in
additional revenue
* Commission percentage in this example not guaranteed in all
Life Settlement transactions.
03
WE ARE
GROWING
EXPONENTIALLY
In 2005, tens of thousands of life insurance Life settlements will also grow because –
policies with an estimated face value of $5.5 + Historically, they are stable through all economic cycles
billion were transacted as life settlements.
+ They have predictable financial outcomes versus
Even more importantly, as baby boomers traditional products
continue to age the market is expected to
+ They create a win-win for all parties involved
grow exponentially over the next 15-20
years creating an unparalleled opportunity
to capitalize on a demographic gold mine.
04
WE HELP
YOUR CLIENTS
As life circumstances change, the need for,
or benefit of, an insurance policy often
changes along with them. A life settlement
allows a policyowner to sell a policy for
substantial profits rather than retiring it
for the cash value or letting it lapse. This
enables individuals to meet diverse goals
and needs such as:
+ Freeing up emergency cash
+ Liquidating a dormant or underperforming asset to fund
other potentially more lucrative investments
+ Eliminating burdensome or expensive premium payments
& funding new, more cost effective insurance coverage
+ Funding a charitable gift or trust
+ Making cash gifts to family members
+ Adapting to changing health status and paying for long-term
health care needs
+ Facilitating changes in estate planning strategy
05
WE
MAKE IT EASY
Your current client base is filled with
policyowners who may be appropriate
for a life settlement. Simply match up
the following questions with your
current book of business to uncover
vast opportunities that already exist.
WHO IS A GOOD PROSPECT?
Any senior client (over 65 years of age) with a life insurance
policy or policies with a face value over $250,000.
W H AT S H O U L D I L O O K F O R ?
Once you’ve identified potential policyowners, schedule a
consultation to re-evaluate their current estate-planning
situation to determine if factors have changed rendering
their current policies unnecessary or burdensome.
HOW SHOULD I APPROACH MY CLIENT?
It’s easy. Simply ask if he or she has ever considered having
their life insurance policy appraised. Once you’ve filled out
some basic information and provided access to medical
records, you can find out if the policy can be purchased
and for how much.
06
WE
FIT RIGHT
One of the most amazing aspects of life settlements is they
don’t compete with other products. Instead, life settlements
help create an even more diverse estate-planning portfolio
putting a new strategy to work for you and your clients.
07
WE BUILT THIS INDUSTRY
Since 1989, The Lifeline Program® has
helped thousands of Americans take
advantage of the financial benefits
and monetary freedom that
accompany a life settlement. As
industry leaders, and one of the first
and most respected life settlement
providers in the nation, we can show
you how to easily and effectively
integrate these unique financial
transactions into your existing
practice and begin to profit from
life settlements.
08
WHY
THE LIFELINE PROGRAM?
09
we are a respected market leader
we are the longest continuous provider of life settlements
we are focused on delivering the
highest levels of personalized service
WE BELIEVE IN EDUCATION AND ANSWERING QUESTIONS
we respect the privacy of your clients
WE ARE HERE TO HELP
10
WE MAKE
LIFE SETTLEMENTS
MAKE SENSE
Watch our exclusive video featuring
acclaimed actress Betty White. It streams
directly from our website, is available
anytime and is designed to help you and
your clients learn exactly why life
settlements make perfect sense.
CLICK HERE TO VIEW ENTIRE VIDEO
11
POLICY
EVALUATION GUIDE
To quickly determine if a client’s life insurance policy may be eligible for a Life Settlement,
simply follow the flow chart below. If you have questions, concerns or require more
information, please contact The Lifeline Program® at 1.800.252.5282.
IS INSURED IS THE FACE DOES THE HAVE A TYPE
65 OR Yes AMOUNT Yes INSURED Yes SCORE OF
OLDER? GREATER HAVE A LIFE GREATER POLICY?
THAN EXPECTANCY THAN 6 ON
$250,000? OF 2-15 YEARS? THE LIFELINE
PROGRAM ®
QUALIFYING
WORKSHEET?
No No Yes Identify
VUL, UL,
DOES THE INSURED HAVE A MAJOR MEDICAL CONDITION WITH A IS TERM
TERM WL JOINT
LIFE EXPECTANCY OF LESS THAN TWO YEARS? CONVERTIBLE?
SURVIVORSHIP
Yes Yes
SUBMIT APPLICATION TO THE LIFELINE PROGRAM ®
12
READY
TO GET STARTED?
CALL US TODAY 1.800.252.5282
13
1 800 252 5282
1979 LAKESIDE PARKWAY SECOND FLOOR ATLANTA, GA 30084
w w w. t h e l i f e l i n e . c o m
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