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Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

Gender: Male Female

Smoker/Tobacco: Yes No

Health Class: Preferred Plus Preferred Regular Plus Regular

Type of Insurance: 10 Year Level Term 15 Year Level Term 20 Year Level Term 25 Year Level Term 30 Year Level Term To Age 100 Level To Age 121 Level (No Lapse U/L)

Face Amount: $10,000 $25,000 $50,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $900,000 $1,000,000 $1,100,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000

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Instant Life Settlement Estimates

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State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Birthdate: January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

Gender: Male Female

Smoker/Tobacco: Yes No

Health at Purchase: Do not know Same or worse as now Somewhat better than now Significantly better than now

Type of Insurance: Convertible Term Last To Die with 1 insured deceased Universal Life Whole Life

Face Amount: 250,000 300,000 350,000 400,000 450,000 500,000 550,000 600,000 650,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 1,050,000 1,100,000 1,150,000 1,200,000 1,250,000 1,300,000 1,350,000 1,400,000 1,450,000 1,500,000 1,550,000 1,600,000 1,650,000 1,700,000 1,750,000 1,800,000 1,850,000 1,900,000 1,950,000 2,000,000 2,050,000 2,100,000 2,150,000 2,200,000 2,250,000 2,300,000 2,350,000 2,400,000 2,450,000 2,500,000 2,550,000 2,600,000 2,650,000 2,700,000 2,750,000 2,800,000 2,850,000 2,900,000 2,950,000 3,000,000 3,050,000 3,100,000 3,150,000 3,200,000 3,250,000 3,300,000 3,350,000 3,400,000 3,450,000 3,500,000 3,550,000 3,600,000 3,650,000 3,700,000 3,750,000 3,800,000 3,850,000 3,900,000 3,950,000 4,000,000 4,050,000 4,100,000 4,150,000 4,200,000 4,250,000 4,300,000 4,350,000 4,400,000 4,450,000 4,500,000 4,550,000 4,600,000 4,650,000 4,700,000 4,750,000 4,800,000 4,850,000 4,900,000 4,950,000 5,000,000 5,050,000 5,100,000 5,150,000 5,200,000 5,250,000 5,300,000 5,350,000 5,400,000 5,450,000 5,500,000 5,550,000 5,600,000 5,650,000 5,700,000 5,750,000 5,800,000 5,850,000 5,900,000 5,950,000 6,000,000 6,050,000 6,100,000 6,150,000 6,200,000 6,250,000 6,300,000 6,350,000 6,400,000 6,450,000 6,500,000 6,550,000 6,600,000 6,650,000 6,700,000 6,750,000 6,800,000 6,850,000 6,900,000 6,950,000 7,000,000 7,050,000 7,100,000 7,150,000 7,200,000 7,250,000 7,300,000 7,350,000 7,400,000 7,450,000 7,500,000 7,550,000 7,600,000 7,650,000 7,700,000 7,750,000 7,800,000 7,850,000 7,900,000 7,950,000 8,000,000 8,050,000 8,100,000 8,150,000 8,200,000 8,250,000 8,300,000 8,350,000 8,400,000 8,450,000 8,500,000 8,550,000 8,600,000 8,650,000 8,700,000 8,750,000 8,800,000 8,850,000 8,900,000 8,950,000 9,000,000 9,050,000 9,100,000 9,150,000 9,200,000 9,250,000 9,300,000 9,350,000 9,400,000 9,450,000 9,500,000 9,550,000 9,600,000 9,650,000 9,700,000 9,750,000 9,800,000 9,850,000 9,900,000 9,950,000 10,000,000

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Life Insurance Settlement

Our Transparent Life Insurance Settlement and Viatical Settlement Process Discloses Compensation and Safeguards Privacy

At Policysettlement.com senior citizens can prequalify instantly for a life settlement, senior life settlement, or viatical settlement and get full commission disclosure before deciding if they want to pursue it.

Life Insurance Settlement and Viatical Settlement Compensations Disclosures

During the first step of our process, the one–of–a–kind LIVEpdq tool allows our life settlement company to instantly determine if your policy is likely to qualify for a life insurance settlement or viatical settlement (otherwise known as senior settlements), the estimated selling price, and the total commission you should expect to pay if your policy is sold.

Life Insurance Settlement and Viatical Settlement Privacy Safeguards

Step two of our process goes beyond an estimate and allows you to obtain a documented formal appraisal of your policy's life insurance settlement or viatical settlement value. Of utmost importance, this valuation is provided to you without anyone accessing your private medical records.

How Estimate Works

The LIVEpdq estimator is based on:

• Your brief answers to basic health questions
• Policy information you provide
• Comparables from similar life insurance settlement or viatical settlement files

How Valuation Works

Our formal settlement valuation is based on:

• Your specific life expectancy
• Precise illustrations of your policy's future premium costs
• Current requirements of potential buyers

Comparing Processes

Processes used by some other viatical and life settlement companies:

• Can take months to complete
• Can be extremely invasive to your privacy
• May pass personal information to strangers without preliminary indication you even qualify for a life insurance settlement or viatical settlement

Our life insurance settlement/viatical settlement process:

• Faster
• More private
• More transparent

What Is The Difference Between A Life Insurance Settlement And a Viatical Settlement?

A life insurance settlement and a viatical settlement are both sales of a life insurance policy for an amount less than the death benefit but greater than the cash surrender value of that policy. A life insurance settlement (senior settlement) can be available for an insured with a life expectancy between 2 and 25 years. A viatical settlement is only for an insured with a life expectancy of 2 years or less.

Who Buys? How Much Do They Pay?

Most often, settlement buyers are financial institutions who provide a lump sum cash settlement in exchange for ownership (and future benefits) of the policy. The amount you are paid for your settlement represents the present day value of the policy. It is determined by the senior insured's life expectancy, the anticipated outlay of keeping the policy in force during their lifetime, and the buyer's expected rate of return.

How Are The Proceeds Used?

Life insurance settlement and viatical settlement proceeds can be used in any way. They can even help purchase new lower costing life insurance, thus reducing or even eliminating the policy owners out of pocket cost for life insurance.

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