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 multiple life settlement providers with which we have relationships.
STEP 2	A life expectancy report is then ordered.
STEP 3	The life settlement providers and funders will submit bids for your policy to the life settlement broker.
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, forwarded to the life settlement broker, then forwarded to GE Insurance Services and then forwarded to you.
STEP 6	After the executed closing documents are returned, GE Insurance Services forwards them to the life settlement broker and then onto 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 multiple life settlement providers to obtain the best offer. When life settlement providers know that a single application from an insured is being submitted to multiple 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, which is why we will submit your application to multiple life settlement providers.

Additionally, the offers made for your policy will be enhanced when using us as your exclusive broker, as the life settlement company's know they will be dealing with one source, allowing them to concentrate their efforts more efficiently.

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.