Premium Finance Life Insurance
Program Overview

Barclays Capital Management (BCM) enables seniors the opportunity to improve their financial situation without any out-of-pocket cost to themselves, their family, or their estate. BCM has developed a program to tap into the insurability of individuals between the ages of 70 and 88 by coupling those who qualify for a potentially profitable new life insurance policy with an investor willing to finance it.

The Program

1. Secures a new life insurance policy up to a senior's maximum potential that is cost-deferred for the first two years, and
2. Gives an option to convert that insurance to discretionary income or tax deferred donations in two years through the Life Settlement Market.

In the event that the senior passes during the first two years, the beneficiaries of the policy receive 100% of the death benefit, less the loan plus interest.

The program allows a senior to:

• Plan for long term care
• Reduce debt without selling assets
• Replace unaffordable or non-performing insurance
• Create security for his or her family
• Receive full-coverage prior to the sale of the policy
• Make a significant donation to a favorite charity or charities, allowing a program participant to witness the results during his or her lifetime.
  

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