Full Surrender

Your policy is valuated based on the age and health of the insured, smoker status and premium payments required to maintain the policy. We will provide you with an initial valuation for discussion purposes and complete a detailed underwriting and actuarial-based valuation for qualified policies. A final valuation is performed based on these results and formal offer and closing documents are provided for your approval and execution as well as required insurer amendment forms. On receipt of confirmation from the insurer you receive an upfront cash payment and are freed from the burden of annual premium payments which are assumed by the payer. Transactions are normally completed within 6 to 8 weeks however delays may occur dependent on the availability of documentation.