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1 Hel p i n g Se n i o r s Ac c e s s Hid d e n We a lt h Thr o u g h Li f e Se t t l e m e n t s. Our proprietary approach maximizes the value of seniors insurability. If you re one of the fortunate few who can benefit from the life settlement market, we ll develop a custom plan with multiple options and guide you through every step of the process. Call now to speak with a representative. (888) 571-LIFE (5433) toll free Life Equity is a full service life settlement broker and insurance advisory company. We specialize in helping high net worth individuals tap into the extraordinary potential of life settlements to fulfill goals that might otherwise seem unattainable.,

2 How We He l p The life settlements market has brought into existence a powerful new way for seniors to create value through life insurance. No longer is life insurance simply a form of savings plan; it is now an investment that can generate a substantial return without waiting for the death benefit. Life settlements provide seniors with valuable new options to achieve goals that previously seemed unattainable. The life settlements market has enabled seniors to sell their life insurance policies for amounts substantially larger than the cash surrender value of the policies. In the past, when one no longer wished to pay the premiums on a policy, the only options were to let the policy lapse, or to surrender it for a relatively low value. In qualified situations, we will help a policy owner sell a life insurance policy for a much greater amount than the cash surrender value. The purchasing company will become the owner of the policy and continue the payment of premiums. The seller of the policy will walk away with no further financial obligations and far greater cash than he or she would have otherwise been able to acquire for the policy. We are able to address your specific needs with either the issuance of a new policy or settlement of an existing policy. Our mission is to develop customized plans to help you realize the greatest value for your policy in the Life Settlement Market. The Process: We ll begin by assigning an expert counselor to work with you. Our proprietary approach enables us to maximize the value of your insurability. We ll evaluate your insurance status, your medical condition and other relevant circumstances to determine if life settlement is a good option for you. If we believe life settlement will generate a positive result for you, we ll develop a customized plan to fit your individual situation and your unique goals and desires. We will present you with an analysis of several possible scenarios to help you make the most informed decisions. We ll not only help you achieve the greatest value, but also make the process one of convenience and ease. The final phase involves the actual transfer of ownership and payment to you. We will guide you through the simple process and provide you with total knowledge and comfort throughout the transaction. After your policy is sold, you ll be under no further financial obligation, and the purchasing company will become the owner and beneficiary of the policy. Your confidentiality is a top priority for us and will be diligently safeguarded throughout the process. All of your information will be carefully protected according to the rules of the Federal Health Insurance Portability and Accountability Act.

3 C a s e St u d i e s Circumstances: Real Estate Investment Opportunity Insured: 83 Year Old Female Type of policy: Universal Life Face amount: $10,000,000 Cash surrender value: $ 175,422 Offer to seller: $300,000 Summary: The insured had a policy for a short period of time, but her circumstances changed and she discovered she could utilize the Life Settlement market to raise capital for a desired real estate investment. Life Equity was able to make an offer substantially greater than the cash surrender value of her policy. Circumstances: Fund Established for Acute Care Facility for Spouse Insured: 74 Year Old Male Type of policy: Universal Life Face amount: $3,000,000 Cash surrender value: $ 48,980 Offer to seller: $195,000 Summary: The insured had a policy for a short period of time, but his circumstances now required the long term care of his spouse in an acute care facility. Life Settlement proved an excellent vehicle enabling him to create a fund for the payment of his wife s needs without altering his existing estate. Life Equity made it possible for him to provide the kind of care his wife deserved. Circumstances: Client desired to create a trust fund for his grandchildren s education Insured: 83 Year Old Male Type of policy: Universal Life Face amount: $5,000,000 Cash surrender value: $ 93,000 Offer to seller: $ 282,000 Summary: The insured had a policy with accumulated cash value, but he desired to maximize the value he could receive from his policy to create a trust fund for the education of his grandchildren. Life Settlement allowed him to realize a much higher value than simply surrendering his policy and fulfill his promise of providing college tuition for his family.

4 Que s t i o n s What is a life settlement? A life settlement is a transaction in which a life insurance policy is sold to a third party for an amount greater than the policy s cash surrender value. The purchaser becomes the new owner and beneficiary of the policy, pays the premiums and eventually receives the death benefit. What are the steps in a life settlement? The first step is to fill out an application. We ll take it from there. We ll evaluate your circumstances and if you are one of the fortunate few, we will prepare an offer with various options that fit your unique situation and goals. Total time can take from three to ten weeks. Why would anyone sell his or her life insurance policy? Circumstances change constantly throughout one s life and the reasons that originally led one to buy a life insurance policy may change over time. Sometimes a policy is no longer needed because of changes with a beneficiary, or premiums may no longer be affordable, or a thousand other reasons. Life settlements have given seniors a new way to receive cash for policies and that cash can make a huge difference in their lives. How much can I expect to receive? There are many factors that affect the value of a policy. Although there is no simple answer for what one may expect for any single policy, our proprietary process is engineered to ensure maximum value to the seller. Our offer will always be substantially higher than the cash surrender value offered by the insurance company. What types of life insurance policies can be sold? Almost all individual or group policies with a face value of $250,000 or more may be sold including Term Life policies. The specific policy must have no restrictions on the transfer of ownership of the policy, and all parties must agree to the transfer. What if I have a loan on my policy? We can often make an offer even if there is already a loan against a policy. What happens after a life insurance policy is sold? When a policy is sold, all rights and obligations of the policy are transferred to the buyer. The buyer becomes the beneficiary, continues the payment of premiums, and eventually collects the death benefit. The seller is under no further obligation and may use the proceeds in any way he or she chooses. Am I responsible for my premiums after I sell my policy? After a policy is sold, the seller is no longer responsible for premium payments. Are there any medical exams? Assuming the insured has seen a physician within the last six months, no additional medical exams should be required. Is the process confidential? All of your information will be strictly safeguarded according to the rules of the Federal Health Insurance Portability and Accountability Act.

5 Glossary Death Benefit: The payment to the beneficiary of a life insurance policy upon the death of the insured individual. Insured: An individual whose life is covered by a life insurance policy. Insurability: An individual s ability to qualify for life insurance as determined by various life insurance companies. Life Settlement Broker: A company or individual that represents a life insurance policy owner and negotiates the best deal for the policy owner in the sale to a life settlement provider. Life Settlement Provider: The company that buys the life insurance policy in a life settlement. Non-Contestable Policy: After two years from origination, the insurance company can no longer contest a policy if it believes the information originally provided by the insured was inaccurate. Such policies that are past the two-year anniversary of origination are said to be Non-Contestable. Origination: The creation of a new life insurance policy for an individual. Period of Contestability: During the first two years after a new policy is originated the insurance company may contest the validity of the policy if it is determined that any of the information provided by the insured was inaccurate. Pre-Application: The initial information-gathering process used to determine if life settlement is a viable option for an individual. Premiums: Periodic payments made to an insurance company to keep a policy in force.

6 App ly No w Call now to speak with one of our expert counselors. (888) toll free You may also fill out and fax the request below for an application package to be sent to you. Fax to: (949) First name: Last name: Date of birth: Address: City: State: Zip Code: Phone: Fax:

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