Improving the Lives of your Clients
A Better Alternative To Life Settlements
Do you have clients experiencing financial hardship as a result of an advanced stage illness such as cancer, COPD, ALS, Alzheimer’s, etc.?
Do you work with senior clients who are having a difficult time with expenses or maintaining their current lifestyles?
As a financial professional you may direct clients towards life settlements when they own a life insurance policy and are in need of funds. However, there is another, often more profitable option for your clients.
The Funds for Living Program – a specialty life insurance loan which is secured solely by the death benefit of a life insurance policy.
- Unlike a carrier loan, this program is based on the face value of the policy without regard to cash value.
- Differs from a traditional life settlement in that it gives clients access to their life insurance benefit now and in most cases, also leaves money for their beneficiaries.
- The loan program offers flexibility and it can be repaid at any time.
- Generally non-taxable.
For qualified referrals, Fifth Season pays financial professionals fair and competitive fees. For more information, use the contact form, or contact us today at (855) 45-FUNDS or info@fifthseasonfinancial.com.
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Easy Steps to Profitability
Tips for Guiding Clients
A Better Alternative To Life Settlements
Funds For Living Program
- Insured can obtain 10-60% of their policy’s death benefit in a lump sum or as a line of credit
- FSF assumes all future premiums
- All costs associated with the loan (interest and management fee) are paid out of the death benefit
- Insured makes NO OUT-OF-POCKET payments
- To date, more than 90% of loans have resulted in surplus funds remaining to pay out to beneficiaries
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Life and Times: Briefs of Life Insurance from Fifth Season Financial