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Case Studies

Each year, Welcome Funds Inc. negotiates millions of dollars in Life Settlement proceeds for senior policy owners. These seniors have used the funds to offset living expenses, improve their quality of life after retirement, pay for health care expenses and assisted living stays, purchase vacation homes and fund alternative financial planning products like annuities, long term care insurance and even replacement life insurance coverage. In each case, a Life Settlement was much more financially beneficial than lapsing, canceling or surrendering the policy.

Case Studies


Please find below a few recent Life Settlement cases that were completed with our agents (Source: Welcome Funds Inc. files). Each purchase price is negotiated with multiple providers to maximize the settlement offers presented to each and every client. Please note that the following real life examples are not necessarily indicative of the amount paid to similarly situated policy owners and what they can expect to receive - they should be used as a guide and point of reference only. There are numerous factors that affect the pricing of Life Settlements, including but not limited to life expectancies, future premium payments, state regulations and competition.

Case Summary 1

Insured
Net Death Benefit
Approximate Life Expectancy
Policy Type
Cash Surrender Value
Annual Premiums to Maturity
Amount Paid to Policy Owner
Approximate Closing Date

71 Year Old Female
$500,000
125 months (10.41 years)
Universal Life
$3,500
$22,000 (4.4% of Net Death Benefit)
$50,000 (10% of Net Death Benefit)
1/2007

Case Summary 2

Insured
Net Death Benefit
Approximate Life Expectancy
Policy Type
Cash Surrender Value
Annual Premiums to Maturity
Amount Paid to Policy Owner
Approximate Closing Date

77 Year Old Female
$836,200
123 months (10.25 years)
Universal Life
$23,269
$31,414 (3.8% of Net Death Benefit)
$105,000 (12% of Net Death Benefit)
11/2006

Case Summary 3

Insured
Net Death Benefit
Approximate Life Expectancy
Policy Type
Cash Surrender Value
Annual Premiums to Maturity
Amount Paid to Policy Owner
Approximate Closing Date

73 Year Old Male
$1,000,000
133 months (11.08 years)
Universal Life
$3,500
$52,183 (5.2% of Net Death Benefit)
$100,000 (10% of Net Death Benefit)
12/2006

Case Summary 4

Insured
Net Death Benefit
Approximate Life Expectancy
Policy Type
Cash Surrender Value
Annual Premiums to Maturity
Amount Paid to Policy Owner
Approximate Closing Date

78 Year Old Male
$2,000,000
127 months (10.5 years)
Universal Life
$39,291
$66,325 (3.3% of Net Death Benefit)
$440,000 (22% of Net Death Benefit)
12/2006

Case Summary 5

Insured
Net Death Benefit
Approximate Life Expectancy
Policy Type
Cash Surrender Value
Annual Premiums to Maturity
Amount Paid to Policy Owner
Approximate Closing Date

80 Year Old Female
$5,000,000
106 months (8.83 years)
Universal Life
$108,604
$217,980 (4.4% of Net Death Benefit)
$1,000,000 (20% of Net Death Benefit)
12/2006

Case Summary 6

Insured
Net Death Benefit
Approximate Life Expectancy
Policy Type
Cash Surrender Value
Annual Premiums to Maturity
Amount Paid to Policy Owner
Approximate Closing Date

86 Year Old Female
$5,000,000
72 months (6 years)
Universal Life
$56,628
$221,425 (4.4% of Net Death Benefit)
$1,750,000.00 (35% of Net Death Benefit)
9/2006

Case Summary 7

Insured
Net Death Benefit
Approximate Life Expectancy
Policy Type
Cash Surrender Value
Annual Premiums to Maturity
(converting to a Universal Life)
Amount Paid to Policy Owner
Approximate Closing Date

65 Year Old Male
$15,000,000
180 months (15 years)
Term Life
$0
$332,270 (2.2% of Net Death Benefit)

$1,078,000 (7% of Net Death Benefit)
3/2007

Past performance is not indicative of future results. Market conditions vary and require an experienced life settlement broker to ensure fair market values are obtained.
May not be available in all states.

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*WFI's Services May Not Be Available In All States.

*The Texas Department of Insurance has not approved all the material contained on www.welcomefunds.com and
therefore, until such approval is granted, the information contained herein is not intended for Texas consumers.