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Client’s Age and Sex: |
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1 Point |
Male age 65 - 74 / Female age 65 - 77 |
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2 Points |
Male age 75 - 78 / Female age 78 - 81 |
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3 Points |
Male age 79 - 83 / Female age 82 - 86 |
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4 Points |
Male age 84 + / Female age 87 + |
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Medical Condition: |
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1 Point |
Healthy senior |
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2 Points |
Has a minor health problem |
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3 Points |
Health has changed considerably since policy was issued |
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4 Points |
Client has developed a serious illness |
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Type of Policy: |
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1 Point |
Joint Survivorship or Whole Life |
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2 Points |
Convertible Term Life |
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3 Points |
Universal Life |
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4 Points |
Joint Survivorship with one deceased |
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Current Cash Surrender Value of the policy as a percentage of the net death benefit: |
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1 Point |
30% + |
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2 Points |
20% - 29% |
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3 Points |
10% - 19% |
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4 Points |
0% - 9% |
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Outstanding loans as a percentage of the net death benefit: |
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1 Point |
30% + |
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2 Points |
20% - 29% |
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3 Points |
10% - 19% |
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4 Points |
0% - 9% |
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Annual premiums as a percentage of the net death benefit: |
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1 Point |
4.00% - 4.99% |
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2 Points |
3.00% - 3.99% |
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3 Points |
2.00% - 2.99% |
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4 Points |
1.00% - 1.99% |
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Total: |
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Life Settlement Prospect: |
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0 - 6 |
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It is highly unlikely client/policy would qualify. |
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7-12 |
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It is unlikely client/policy would qualify. Please call Estate Trust
to discuss. |
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13 -18 |
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Client/policy will probably qualify. Recommend an application be submitted. |
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19 -24 |
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Client/policy qualifies. Recommend an application be submitted. |
