As an estate planner or investment advisor, you may be faced with a client who asks you for advice about considering a life settlement for their insurance policy. A life settlement is an option for a policy owner to sell and exchange their life insurance policy for a lump sum payment that’s higher than the cash surrender value and less than the death benefit. All policy types can qualify, including term. However, participating in a life settlement comes with risks, as detailed in a July 31,
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