STEP 1	You will need to complete a questionnaire and authorization for medical record release. Once medical records are received, the file will be sent out to more than 15 life settlement providers with which we have relationships.
STEP 2	A life expectancy report is then ordered.
STEP 3	The life settlement providers will submit bids for your policy.
STEP 4	All bids are communicated to you and we can review your options.
STEP 5	Once you select a bid, closing documents are prepared by the life settlement provider and forwarded to you.
STEP 6	After the executed closing documents are returned, Invescor, Ltd. forwards them to the life settlement provider. Change of ownership and beneficiary forms are then sent to the life insurance company for processing.
STEP 7	Upon confirmation of the change forms having been processed, funds are released to you within 72 hours by the escrow agent.

As a prospective seller of your insurance policy, you can expect complete anonymity during the transaction. All parties involved will keep your personal and medical information obtained through the settlement process in the strictest of confidence.

In addition, your settlement package will be professionally prepared and marketed to more than 15 life settlement providers to obtain the best offer through our wholesaling partner. When life settlement providers know that a single application from an insured is being submitted to over 15 life settlement providers their offers tend to be far more competitive.

Our goal is to generate strong competition for the purchase of your policy to ensure the best offer will be forthcoming. We believe that it is more beneficial to receive offers from more than one life settlement provider.

So rather than letting your policy lapse, surrendering it, or exercising a non-forfeiture option, you may realize the following benefits:

• Relief from making future premium payments
• Additional funds are available to supplement your other income needs
• Potentially greater benefit than surrendering the policy
• Funds at your disposal for a "rainy day"
• Funds to use for your comfort, to take a long-needed vacation, or for medical treatment, etc.
  

Important Considerations: Life settlements can be a valuable source of liquidity for people who would otherwise surrender their policies or allow them to lapse—or for people whose life insurance needs have changed. But they are not for everyone. There are many things to take into consideration such as your continued need for coverage and if you plan to replace your existing policy with another policy. You will need to carefully consider such factors as the availability, adequacy and cost of comparable coverage. You must assess your circumstances, including financial need, investment objectives, and the basic tax and relevant implications of selling a policy.