Qualifying Worksheet

Total Score

Life Settlement Probability

5 & under

Highly unlikely

6– 10

Unlikely – Please call Advanced to discuss

11 – 15

Average - Contact client to complete application

16 – 20

Highly Likely - Contact client to complete application

Please rate each category and add the points for a total score.
Compare the score with the table above for a Settlement Probability.
Click here to download this worksheet (requires Adobe Acrobat)

Client age and sex:
1 Point Male age 75 or less/ Female age 77 or less
2 Points Male age 76 - 79/ Female age 78 - 81
3 Points Male age 80 - 84/ Female age 82 - 86
4 Points Male age 85+/ Female age 87 +

Medical Condition:
1 Point Healthy senior
2 Points Has a minor health problem
3 Points Health has changed considerably since policy issue
4 Points Client has developed a terminal illness

Policy Type:
1 Point Joint Survivorship or Whole Life
2 Points Term Life
3 Points Universal Life
4 Points Joint Survivorship with one deceased

Current cash surrender value of the policy as a percentage of the death benefit:
1 Point 16% +
2 Points 11% - 25%
3 Points 6% - 10%
4 Points 0% - 5%

Current premiums as a percentage of the death benefit:
1 Point 4% +
2 Points 3% - 4%
3 Points 2% - 3%
4 Points 1% - 2%

AS-17