ACCELERATED LIFE SOLUTIONS - Surrender? Cash Out? Exchange? - Is there a better "ALTERNATIVE" for your client’s Life Insurance policy? As someone who has been involved in financial services for over a decade, I’ve seen many scenarios where Life Insurance policy owners are either surrendering their policies to the insurance companies for its cash surrender value, exchanging the value for a different product or allowing the policy to lapse altogether. I read a recent statistic that quoted the following: A 2010 study of seniors 65 and older revealed: 40% have lapsed or terminated a life insurance policy. 50% are not aware that they may “SELL” their policy. 90% who lapsed their policies stated that they would have considered a Life Settlement had they been aware of the possible option available. Of course, it is clear that most individuals are not familiar with an “alternative” to surrendering or lapsing a life insurance policy. But what is even more critical to point out is that, as I continued to read this study, it stated that 49% of financial advisors lack knowledge about Life Settlements and therefore, never recommend such options to their clients. Of course there are those planners among the ranks that are “captive” and thus discouraged and or prohibited by their insurance companies to provide such option as it would greatly decrease the insurer’s lapse ratios creating a scenario where more death claims would ultimately have to be paid out. But as fiduciaries, it is important to know if a Life Settlement will be beneficial to your client and provide a better option. The bottom line here is simple: If a policy owner has unwanted, unneeded or unaffordable life insurance that is doomed to lapse or be surrendered for little or no cash value…. Would it not be advantageous to explore a Life Settlement to determine if it can provide a higher settlement amount versus the existing cash surrender value? If so, can that capital not be used for other needed products or services? (Retirement, Long term care, a new shinny Lamborghini) Would this increase in capital not yield or make for better options for your client’s while increasing commissions for the planner? If the answer is YES…then “why” is Life Settlements not in your toolbox yet? Whichever the reason, my job is to help identify opportunities where a Life Settlement make sense for you and your client, help navigate the Life Settlement market, educate planners and advisors about their options, and find the highest offer possible to make sure that it is worth the while.

If you are one of the 49% that are not aware of this “alternative” option – Contact me today to make sure to learn. If you are one that knows but have never put it to practice – Contact me to learn the logistics If you are seasoned and have gone through the Life Settlement life cycle – Contact me to learn the value of our approach in getting the highest offers in the market. I welcome your thoughts, feedback and most importantly, your partnership. Please take a moment to visit our website at www.acceleratedls.com for more information Best Regards, Eddie Machado – Vice President of Life Settlement Trading Office - 888-666-5915 ext. 305 Cell - 203-940-3421 Fax - 339-200-3421 emachado@acceleratedls.com