Many policy owners will encounter changes in their circumstances that cause them to reconsider keeping the life insurance coverage they have. When changes arise, selling the life insurance policy to a third party could be a viable option. Below are examples of some of the many changes that may cause a life settlement to become an attractive alterative.

• To receive more money than the cash surrender value of a policy.
• To receive cash for a policy you no longer deem necessary
• A beneficiary has changed on the policy due to death or divorce.
• Children become independent.
• The policy’s original need is gone. For example, a home mortgage is now paid off.
• Money is needed to provide for the increasing cost of long-term care
  or medical assistance.
  
  

• A single life insurance policy is no longer appropriate – a survivorship policy meets the estate
  planning need.
• There is a reduction in estate size due to loss of net worth or completion of estate reduction techniques, and less insurance is required to fund the projected estate tax liability.
• Changing estate planning and tax laws reduce the need for high premium insurance coverage.
  
  

• Buy-Sell funding, for instances in which the owners have retired or the business is sold.
• Deferred Compensation plans, when the covered executive has left the company.
• Key Person policies, after the insured has retired.
  
  

At no charge to you, we will provide a confidential appraisal of your policy. Please complete and
submit our simple appraisal application, or call us 1-800-481-3481 and we will begin
immediately.

There is never any cost, obligation, or medical exam required for you to unlock the hidden value
in your life insurance policy.

*IN TEXAS, D/B/A LAG SETTLEMENTS, LLC (See also Important Limitations in Texas)

Life Asset Group, LLC and/or Gary E. Brecka, as an individual, are licensed as a life settlement broker or viatical settlement broker in the following regulated states.

Gary E. Brecka, individually, can broker a life insurance policy owned by a resident of the following states: AR, CO, FL, GA, HI, IN, KS, KY, LA, MD, ME, MS, MT, NV, NC, NJ, OK, PA, TN, TX, UT, VA.

Life Asset Group, LLC, as a licensed entity, can broker a life insurance policy owned by a resident of the following states: AR, CT, FL, HI, LA, MD, ME, NV, NJ, OH, OK, PA, TX*, VA.

Depending on the medical condition of the insured, Life Asset Group, LLC and/or Gary E. Brecka, as an individual, may or may not be able to broker a life insurance policy owned by a resident of the following states: CA, DE, IL, MA, MI, MN, NM, NY, OR, VT, WA, WI.

Life Asset Group, LLC and/or Gary E. Brecka, as an individual, may broker a life insurance policy owned by a resident of the following states that are not regulated and do not require licensure: AL, AZ, DC, ID, MO, NH, RI, SC, SD, WY.

Life Asset Group, LLC is in the process of becoming licensed in the following states: AK, IA, NE, ND, WV, PR.

*IN TEXAS, D/B/A LAG SETTLEMENTS, LLC

This Compliance Notice is current as of August 26, 2008 and is subject to change.