Reasons to Sell

Reasons to Sell Selling a life insurance policy may be a tough thing to think about … it may also be one of the smartest things you’ve ever done So what’s the best reason to sell a life insurance policy? In all honesty to obtain cash for just about any financial need. Our circumstances change and very often a monthly premium starts to be more and more a liability than an asset. In fact in many instances the policy lapses due to non-payment of premium. So when you’d like to have cash in hand rather than a monthly cash outlay, selling that insurance policy can make good sense.
Healthcare costs can be another good reason to sell a life insurance policy. Let’s face it. Healthcare costs are not going down, they’re going up every year and for many of us, the costs have gone way beyond what we may have projected 10, 20 or 30 years ago. So if you, or your spouse needs costly medical attention, or medical comfort, your insurance policy may be a means to provide that extra care. To make life more enjoyable is also a good reason.
	Maybe you want to go on that around-the-world cruise; or buy a getaway condo in Hawaii. Your life insurance policy may provide the capital to make it happen. Some clients want to move into a retirement development that requires a substantial cash outlay. Your insurance policy might provide the means to that end. Also consider these reasons: • Insurance needs have changed • Premiums become unaffordable • Beneficiaries have been outlived • Surrendering or lapsing a policy is in question • The need for long term care insurance, an annuity or other coverage • Other investment opportunities Whatever reasons you might have, we’d be happy to discuss your plans, your needs and wants.

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