Life insurance policy for sale. As people get older they have a
tendency to develop the type of illness that would not even be a second
thought when they were in their young carefree years.
Some people develop cancer in one of it's varying forms, some heart and blood pressure problems, some diabetes and even some ailments they have never heard of.
To be fair there are those people who never seem to become ill during a very long lifetime. My hat is tipped to these fortunate ones.
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Because of the illnesses and, in some cases, the discomfort or even pain that goes along with these illnesses these unfortunate ones are no longer able to work and may as a result become short of cash. They put up their insurance policy for sale just to get their hands on some money...
There are ready buyers always looking for such a deal. Some people are under the mistaken impression that life insurance policies are bought only from people stricken with the aids virus. The fact is that anyone who is terminally ill, or whose health is deteriorating, can put up his or her life insurance policy for sale.
Here is how it is done:
Investors, sometimes through brokers, buy life insurance
policies. There are usually some sort of qualifications. Of course, you
must fall in one of the categories mentioned above, you must have an in
force life insurance policy with a reputable
life insurance company
the policy must be
It does not matter whether the policy is a term policy or a whole life policy to put up your insurance policy for sale. If the policy is a whole life policy check on the amount of cash or loan value before you complete the transaction...
of some policies, if you own it long enough, may be sufficient to meet
your needs for immediate cash. In some cases it is not much lower than
the face amount of the policy.
In such a case you can take out most of the cash in the form of a loan, and still maintain your life insurance coverage. You would therefore have no need to put up your life insurance policy for sale.
When you are ready, if you still have a need to do so, put up your life insurance policy for sale but try to get the best deal. It is best to work through a broker as they tend to get you a better deal. Investors usually pay about 60% of the face amount of the policy...
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Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.