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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

My entire 30 yr plus career has focused on finance. The past 7 years have been spent assisting small business owners and commercial real estate investors with obtaining the funding they need to accomplish their goals.

For small business owners, I have assisted with arranging lines of credit, account receivable. purchase order and equipment financing, along with working capital.

For commercial real estate investors, I focus on refi's, refi/cash out, property acquisitions, financing for new commercial developments, fix and flip loans and investment property financing.

During my career, I have learned we all can make the best business decisions possible if we had access to the appropriate capital partner for each specific financial request and credit profile.

Please reach out to me directly with any question you have related to your business or commercial real estate financing objective. Also, you can let me know what struggles you may be facing in your business, and I will do my best to help you get the answers needed to get through the struggle.

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