Qualifying Worksheet

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Insured:___________________________
Face Amount:_______________________

Age and sex (20%)

Points

Total
Male under 65 or female under 65
0
_________
Male 65-68 or female 65-71
5
_________
Male 69-74 or female 72-77
10
_________
Male 75-78 or female 78-81
15
_________
Male 79 and over or female 82 and over
20
_________

Medical condition (25%)
Healthy Senior
0
_________
Has minor health problems
15
 _________
Health has changed considerably since policy issue
20
_________
Has serious health problems
25
_________

Smoking status (10%)
Non-Smoker
0
_________
Smoker
10
_________

Policy type (10%)
Joint Survivorship or Whole Life
4
_________
Term Life
6
_________
Universal Life
8
_________
Joint Survivorship with one deceased
10
_________

Current cash surrender value
30% + of death benefits
4
_________
20%-30% of death benefits
6
_________
10%-20% of death benefits
8
_________
0%-10% of death benefits
10
_________

Outstanding loans (10%)
30% + of death benefits
4
_________
20%-30% of death benefits
6
_________
10%-20% of death benefits
8
_________
0%-10% of death benefits
10
_________

Current premiums (15%)
5% + of death benefits
0
_________
4%-5% of death benefits
3
_________
3-4% of death benefits
7
_________
2-3% of death benefits
11
_________
1%-2% of death benefits
15
_________

Total points (maximum of 100)

Your Score
_________

Total Life Settlement Probability
25 or less - Highly unlikely
26-50 - Unlikely - Please contact 3 Mark Financial prior to completing application
51-67 - Likely – Contact client to complete application
68-100 - Highly likely – Contact client to complete application