Case History 1         Client: 87 year old male & 82 year old female. Result: $2,300,000 second to die policy with no cash value. The policy was no longer required and was going to lapse. Insured's sold the policy and received $300,000.00. Agent referral fee $92,000. Case History 2 Client: 70 year old male with health complications. Result: $1,000,000.00 policy with small cash value. Insured sold the policy and received $120,000. Agent referral fee $40,000.

Case History 3
Client: 83-year-old female in relatively poor health.
Result: $4,000,000.00 policy with an annual premium of $168,000.00. Insured received $1,360,000.00. Agent referral fee $175,000.

Case History 4
Client: 76-year-old male with some health problems.
Result: $1,700,000 policy about to lapse. The owner could not afford to keep the policy in force and received $275,000. Agent referral fee $68,000.

Case History 5
Client: 81-year-old male in relatively good health.
Result: $1,605,000.00 policy with an annual premium of $76,000.00. Insured sold the policy for $202,800.00. Agent referral fee $64,000.

Case History 6
Client: 78-year-old female in relatively good health.
Result: $1,000,000.00 policy with an annual premium of $84,000.00. Insured sold the policy for $160,000.00. Agent referral fee $35,000.

Case History 7
Client: 92-year-old female in relatively poor health.
Result: $2,000,000.00 policy with an annual premium of $110,000.00. Policy expires at age 95. Insured sold the policy for $325,000.00. Agent referral fee 60,000.

Case History 8
Client: 73-year-old male with health issues.
Result: $500,000.00 policy. Insured sold the policy for $105,000.00. Agent referral fee $20,000.00.