Life expectancy is a very important piece to the life settlement process. When you are in the market to sell your policy without this piece, you will not receive offers. These reports are derived from the medical records of the insured. The disclosure of the insureds medical records along with, in some cases, a current medical exam is the report’s basis for calculation. Expectancy or the duration of life possibility is made by accepted companies within this field. There are perhaps four institutions that usually create these reports that are universally accepted within the life settlement community. I have been involved in some cases where the life expectancy reports have come back from these institutions with very different results. A women that was 82 years of age was given a 120 month expectancy by one institution and a 78 month life expectancy from another. This created a very exciting bid process for this sale as some life settlement companies felt more comfortable with the lower report verses the higher report. This does occur from time to time especially where there is a medical circumstance that has recently occurred pertaining to the insured. The life settlement business is very exciting these days and if you wish to find out your report figures and possibly sell your policy for far greater than its surrender value then lets get started.
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