Assisting small business owners and commercial real estate investors with the financing needed to accomplish their goals!

Consider selling your term insurance policy before it expires!

Term insurance is the most widely held type of life insurance. This is due to the fact that is much cheaper than universal life or whole life and is often taken out when the insured is younger and concerned about leaving a lump sum for income replacement for their beneficiaries.

Term insurance is sold in 10/15/20/25/30 year set maturities. Should the insured still be living when the term matures, the policy lapses and becomes worthless, unless the insured decides to convert the policy to a permanent universal life policy, which is too pricey for most insureds. This is why over 90% of term policies sold lapse without paying a death benefit.

Before your policy terms out, consider getting a no obligation offer for your policy from Life Insurance Settlements Inc. Policies owned by insureds 65 years plus may be eligible. Consider requesting an offer for your policy 4 to 6 months before the expiration date of the term policy.

We cover this topic in Episode 15 of the podcast, available here on the site.

Should you have any questions, feel free to email me at, or contact Oleg Eydelman, the lief settlement expert featured on episode 15. Oleg can be reached at and tell him you heard the interview on Ralphs podcast.

About the author, Ralph

During this time, I was fortunate to host a show for 5 years on one of the top 2 or 3 radio stations in the US as well as appear on local and national television discussing the financial markets.
The past 5 years have been spent assisting small business owners and commercial real estate investors with obtaining the funding they need to accomplish their goals.
During my career, I have learned we all can make the best business/financial decisions possible if we had access to objective insight from experts in the specific topic matter.
The goal of each episode of Your Business Decision is to share this expert insight, assisting the listeners with making the best business/financial decisions possible in the future.

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