CASE EXAMPLES

Age/Gender: 84/Male
Policy Type: Whole Life
Face Amount: $250,000
Cash Surrender Value: $10,000
“REAL VALUE” Settlement: $75,000
The policy had a low cash surrender value and the premiums were no longer affordable. The REAL VALUE settlement allowed the owner to save over $10,000 per year and invest the proceeds.

Age/Gender: 64/Female
Policy Type: Universal Life
Face Amount: $54,000
Cash Surrender Value: $0
“REAL VALUE” Settlement: $33,000
The insured was diagnosed with esophageal cancer and needed cash to pay medical cost and increase quality of life.

Age/Gender: 80/Male
Policy Type: Term
Face Amount: $1,000,000
Cash Surrender Value: $0
“REAL VALUE” Settlement: $185,000
Premiums were no longer affordable and the policy was on the verge of lapsing. Seller's Financial Planner recommended he contact AFC about the REAL VALUE Settlement option.

Age/Gender: 46/Female
Policy Type: Universal Life
Face Amount: $350,000
Cash Surrender Value: $1,650
“REAL VALUE” Settlement: $235,000
The insured developed cancer and was unable to work. The premiums became difficult to afford and the policy was sold to pay for medical treatments and living expenses.