Charities:
Senior Settlements, LLC is a life settlement company that purchases current life insurance policies for their present value.

Most charities have capital campaigns and endowment programs where insurance policies are donated. The administration on these policies is expensive and time consuming. Many policies never make it to maturation because of lapse or cancellation. Sometimes, the only recourse is to cash surrender these policies to the insurance company. We offer a sensible solution that we believe is an attractive alternative.

Senior Settlements, LLC will offer to purchase policies that meet our criteria and pay the charity, a lump sum present value. This money can be used today for whatever the organization's immediate needs may be. By discounting this future gift to present dollars, the organization can spend or invest the gift, thus, alleviating the administration and expenses associated with most planned giving programs.

Trusts:
The complexities and changes in the financial markets have increased the opportunities in financial and estate planning services to Senior Citizens. More attention is being given to opportunities that maximize the value of assets that were traditionally considered illiquid, such as life insurance. Many of the reasons for which people originally purchased life insurance have changed due to either family, financial or estate planning circumstances.

We offer an option to purchase all types of life insurance policies from seniors, age 65 or over. Seniors now have another choice beyond canceling or lapsing their coverage. For those policies that meet our criteria, we will offer a lump sum present value payment. In most situations, this amount will far exceed the cash surrender value of the policy.

We believe this is a valuable option for your trust clients as part of their estate and financial planning.