| Receive 
                cash for life insurance that is no longer needed or cost effective. Do 
                so with no 
                fees or hidden costs.
 No obligation.
 Many Americans are concerned 
              about their personal financial future in an uncertain economy that 
              the US has experienced recently. Life settlements or "senior" 
              settlements, have become important alternatives for unlocking embedded 
              value in investments in life insurance.
 It is a little known 
                fact that policies insuring those age 65 and over can be sold. 
                Policies bought years before that have now lost their utility 
                can be sold, generally for more than cash value. Many senior citizens 
                will be pleasantly relieved to know that they can now receive 
                the money while still alive, possibly tax free, and that they 
                will not have to make any more policy premium payments.  
                
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