Turn a Lapse or Surrender into Five Sources
of Income through LWT and Coventry First.

Imagine the opportunity to help your clients convert a generally worthless asset - a soon-to-be lapsed or surrendered policy - into an asset with significant economic value, far in excess of its cash surrender value.

Life settlements from Coventry First are changing the way we think about life insurance. Coventry First is the leading provider of life settlement services for the life insurance industry.

1. Earn fees for facilitating a life settlement transaction
2. Keep your renewal commission on the policy if you are the agent of record
3. Earn an insurance commission - two out of five settlements creates a new insurance sale
4. Earn investment or annuity commissions from the dollars that were freed up from the sale of the policy
5. Opportunity to participate in the conversion commission if the policy is term insurance

Profile of a Life Settlement

In order to qualify for a life settlement, a case must meet the following profile requirements:
- Over age 65
- Policy face amount: $250,000 minimum
- Life expectancy: under 14 years
- A change in insurability since issue
- Any type of insurance policy

Does your Case Qualify?

LifegainSM from Coventry First can determine whether your client's policy will be a good candidate for a life settlement. Lifegain calculates the fair market value of a life insurance policy so that you can help your clients address their changing needs.

Lifegain may be especially useful when:
- Performance of a policy causes a cash drain
- Retirement of an officer in a corporation makes a "key person" policy superfluous
- A partnership that has a buy-sell agreement funded by life insurance is acquired
- A loan secured by life insurance has been paid in full
- Divorce or bankruptcy changes the risks against which the parties have insured

Working with LWT and Coventry First now gives you:
- direct access to an institutional purchaser that is backed by one of the ten
largest insurers,
- the assurance that your clients' policies will only be purchased with only
institutional funds,
- higher compensation for life settlement transactions,
- more competitive quotes for you and your clients, and
- Lifegain, Coventry's unique policy valuation service, that will help you market to professional advisors and attract new brokers.

Want to know right away? Check out our Quick QualifierSM at www.coventryfirst.com

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