Herb and Toby were seeing the detrimental effect of an underfunded policy, increased longevity, and rising premiums all compounded by a pandemic restricting their already limited cash flow. Their adult children urged them to have their policy appraised, resulting in a cash payment that will help them fund their livelihood for years to come.
Policy was eating cash flow needed for caregiving costs
Funded long-term care needs and relieved financial stress from her family.
COVID-19 created visitation restrictions for nursing homes
She was able to remain safely at home with proper care.
Policy was no longer needed for estate planning
Client was able to fund all lifestyle and caregiving needs.
