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The life settlement market consists mostly of two major divisions. The first consists of clients who are usually age 70 and above, and who may have experienced a change in health, financial and/or estate planning needs. For them, a life settlement may be a better solution for an underperforming permanent policy than letting the policy lapse, surrendering the policy for its remaining cash surrender value, or executing a 1035 exchange. The second consists of clients ages 56 to 70 who own a convertible term policy and who are either going to terminate the policy and obtain new coverage or terminate the policy outright. To help you determine what the best options are for your clients, The Producers Group analyzes each policy and presents the solutions in a clear and concise format that will allow you to present your clients with their options in a manner that they may make an informed and timely decision. Application Kit -  Permanent Product Accredited Investor Questionnaire
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