What is a Life Settlement? A Life Settlement is the sale of an existing life insurance policy for a lump sum of cash that is more than the cash surrender value. A life insurance policy is property, like a car, house, stocks and bonds that can be legally sold in accordance with applicable laws. Through a Life Settlement, a policy owner can realize value today from an asset that is generally thought to only have a benefit when the insured passes away.

How can Life Settlements be used in Fundraising? There are many variations and complex estate and tax planning strategies that can be employed when utilizing Life Settlements in a planned giving program. However, in its simplest terms, a Donor who owns a life insurance policy gives the policy to the philanthropic organization that in turn immediately sells the policy for a lump sum of cash through a Life Settlement.

In order for a policy to be eligible for a life settlement, it must meet the following criteria:

• Insuring an individual over age sixty-five (65) or with a serious illness

• With a face value of at least $100,000

• Issued over two (2) years ago

1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

3. Being able to see their donation put to use during their lifetime rather than after their death if the organization did not utilize a Life Settlement;

4. Eliminating the requirement of continued premium payments on the policy;

5. Removing a taxable asset from their estate if the policy was indiv
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   ty, like a car, house, stocks and bonds that can be legally sold in accordance with applicable laws. Through a Life Settlement, a policy owner can realize value today from an asset that is generally thought to only have a benefit when the insured passes away.

   How can Life Settlements be used in Fundraising? There are many variations and complex estate and tax planning strategies that can be employed when utilizing Life Settlements in a planned giving program. However, in its simplest terms, a Donor who owns a life insurance policy gives the policy to the philanthropic organization that in turn immediately sells the policy for a lump sum of cash through a Life Settlement.

   In order for a policy to be eligible for a life settlement, it must meet the following criteria:

   • Insuring an individual over age sixty-five (65) or with a serious illness

   • With a face value of at least $100,000

   • Issued over two (2) years ago
   Donor Benefits:
   1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

   2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

   3. Being able to see their donation put to use during their lifetime rather than after their death if the organization did not utilize a Life Settlement;

   4. Eliminating the requirement of continued premium payments on the policy;

   5. Removing a taxable asset from their estate if the policy was indiv
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      e employed when utilizing Life Settlements in a planned giving program. However, in its simplest terms, a Donor who owns a life insurance policy gives the policy to the philanthropic organization that in turn immediately sells the policy for a lump sum of cash through a Life Settlement.

      In order for a policy to be eligible for a life settlement, it must meet the following criteria:

      • Insuring an individual over age sixty-five (65) or with a serious illness

      • With a face value of at least $100,000

      • Issued over two (2) years ago
      Donor Benefits:
      1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

      2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

      3. Being able to see their donation put to use during their lifetime rather than after their death if the organization did not utilize a Life Settlement;

      4. Eliminating the requirement of continued premium payments on the policy;

      5. Removing a taxable asset from their estate if the policy was indiv
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         li>Insuring an individual over age sixty-five (65) or with a serious illness

      6. With a face value of at least $100,000

      7. Issued over two (2) years ago Donor Benefits:
         1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;

         2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;

         3. Being able to see their donation put to use during their lifetime rather than after their death if the organization did not utilize a Life Settlement;

         4. Eliminating the requirement of continued premium payments on the policy;

         5. Removing a taxable asset from their estate if the policy was indiv
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            g price) of the life insurance policy instead of only the cash surrender value;

         6. Being able to see their donation put to use during their lifetime rather than after their death if the organization did not utilize a Life Settlement;

         7. Eliminating the requirement of continued premium payments on the policy;

         8. Removing a taxable asset from their estate if the policy was individually held.
         Organization Benefits:
         1. Receive a donation from a Donor who may not have otherwise been in a position to contribute at all;

         2. Collect a lump sum of cash today instead of having to wait for the insured’s death to collect the proceeds;

         3. Not having the financial burden of paying premium payments to keep the policy in force;

         4. Providing a valuable option to the Donor that furthers their tax and estate planning objectives and invites the opportunity for future/additional gifts.

         5. Improved annual budget forecasting ability
         How Does a Life Settlement Work?

         Once the Donor is considering gifting a life insurance policy to the organization, the life insurance policy should be appraised. Typically, a Life Settlement Broker can determine its eligibility for a life settlement and will undertake it to obtain the highest offer for the policy.

         The value of a life insurance policy is determined by a number of factors, including, but not limited to, the age and medical condition of the insured, type of insurance policy, rating of the issuing insurance company and amount of premium payments to keep the life insurance policy in force. Most types of insurance policies can qualify, including universal, whole life, and converted term. When a mutually agreed upon price is determined for the life insurance policy, the organization that now owns the policy is paid a lump sum in cash, the ownership and beneficiary rights are transferred to the purchaser. All future premium payments are the responsibility of the