Bill Boersma is a CLU, AEP and LIC and the founder and owner of OC Consulting Group. More information can be found at www.OC-LIC.com, www.BillBoersmaOnLifeInsurance.info or email at bill@oc-lic.com or call at 616-456-1000
Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. Investment Advisory Services offered through Valmark Advisers, Inc. a SEC Registered Investment Advisor.
OC Consulting Group and its affiliates are separate entities from Valmark Securities, Inc. and Valmark Advisers, Inc.
Disclosures: Securities offered through Valmark Securities, Inc. Member FINRA, SIPC Advisory Services offered through Valmark Advisers, Inc. A SEC registered investment advisor 130 Springside Drive, Akron, OH 44333 800.765.5201
These case studies are for illustrative purposes only and are not intended to represent the experiences of all clients. Past performance or outcomes are not indicative of future results.
Valmark Securities supervises all life settlements like a security transaction, and its’ registered representatives act as brokers on the transaction and may receive a fee from the purchaser. Once a policy is transferred, the policy owner has no control over subsequent transfers and may be required to disclosure additional information later. If a continued need for coverage exists, the policy owner should consider the availability, adequacy and cost of the comparable coverage. A life settlement transaction may require an extended period to complete and result in higher costs and fees due to their complexity. Policy owners considering the need for cash should consider other less costly alternatives. A life settlement may affect the insured’s ability to obtain insurance in the future and the seller’s eligibility for certain public assistance programs. When an individual decides to sell their policy, they must provide complete access to their medical history, and other personal information. The Enhanced Cash Value (ECV) program described herein represents a life settlement offer that does not require medical underwriting. This program is offered through a third-party provider and is not affiliated with Valmark Financial Group or the issuing insurance carrier. Valmark is advertising this opportunity on behalf of the third-party program administrator, who will assume all future obligations related to policy servicing and ownership after the sale. Limited ongoing servicing may be required post-sale, and clients should be aware that the policy will be maintained by the third party—not Valmark or the original insurer. This is not a direct offer from Valmark or any insurance carrier. All evaluations, offers, and servicing responsibilities are managed by the third-party provider.
