Life Settlement Case Study

How a Life Settlement Helped a Retired Couple Regain Financial Stability When Rising Premiums Threaten Retirement Security

Life insurance is designed to protect families—yet many retirees find themselves struggling to maintain expensive policies they no longer need. This was the case for Mr. and Mrs. B, a 74-year-old retired couple living in the Houston area. They owned a $750,000 universal life insurance policy that had served them well during their working years. But after retiring, their fixed income could no longer support the rising premiums, which had more than doubled over time.

Their insurer advised them they could surrender the policy for a small cash value. What the couple didn’t know was that their policy could potentially be sold on the secondary market for significantly more through a life settlement.

The Pain Points: Financial Pressure on a Fixed Income

● Rising premiums with no end in sight

Their policy costs increased annually, eventually consuming a large portion of their monthly income.

● Retirement savings stretched thin

Unexpected medical expenses and inflation tightened their budget further.

● No longer needing the original coverage

With their children grown and financially stable, the policy’s original purpose had changed.

● Frustration with limited guidance

Their insurance carrier offered only two options: keep paying or surrender for minimal value.

These are some of the most common pain points for seniors who still hold large life insurance policies.

The Solution: A Life Settlement Through Exit Equity Concierge

When the couple contacted Exit Equity Concierge, we completed a confidential, no-obligation policy review to evaluate whether a life settlement was appropriate.

After reviewing their age, policy type, carrier, and premium structure, EEC confirmed that the policy met market criteria for a potential sale.

Why They Qualified:

• Age 70+
• Universal life policy with sufficient cash value and market appeal
• Premium strain due to income changes
• Policy no longer serving its original purpose

Exit Equity Concierge handled the underwriting process, obtained required documentation, and presented the couple with clear options—allowing them to make an informed financial decision.

The Outcome: Turning a Liability Into Financial Freedom

Settlement Amount Received:

$185,000 lump-sum payout

How This Improved Their Retirement:

• Eliminated the burden of rising premiums
• Created a financial cushion for medical and personal expenses
• Allowed them to pay down remaining debt
• Provided extra funds for travel and enjoyment in retirement
• Reduced financial stress, improving overall quality of life

Instead of allowing the policy to lapse or surrendering it for a fraction of its worth, the couple accessed meaningful liquidity—improving their stability and restoring choice in their retirement years.

Is a Life Settlement Right for You?

You may benefit from a life settlement if you are:

• Age 65 or older
• Facing rising premiums
• Holding a policy you no longer need or want
• Considering lapsing or surrendering your policy
• Seeking additional retirement income
• Managing health-related or caregiving costs

Not every policy qualifies, but many do.

A policy review is free, confidential, and designed to give you clarity—not pressure.

Before you lapse or surrender your coverage, find out whether your policy may hold real market value.

Request your complimentary policy review today to see if your policy qualifies for a life settlement.