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A Brighter Path

MONTHLY | Newsletter | April 14, 2016

Ending Life on Your Terms

How long do you want to live?
            What are you doing to take care of your health?
                        Do you want others to determine how you die?

These are unusual discussion points for anyone in good health.  But, the reality is that the end of life decision-making process can be a very disruptive time, especially for our families.  Besides, we’re going to live forever, right?
This Saturday, April 16th, is National Healthcare Decisions Day, ( and its purpose is to inspire, educate and empower the public and healthcare providers about the importance of advance care planning.  This is a sobering topic for me, and has significant impact on our families.  Certainly I’ve heard about healthcare directives, but what is the real value?  And, how does it impact those we love?
When you and I become incapacitated, unable to communicate to others, or make our own decisions, we’re no longer in charge of how we want to be treated.  We have no idea how our life will end.  Maybe we’ll be involved in an accident next week and can no longer communicate; or, maybe it’s not for another 40 years.  Either way, I still want to be in charge of how I’m taken care of and how I want to live, or end, my life.  An advanced healthcare directive can help us achieve an end that we desire.
A great story published in The New York Times and written by Atul Gawande, a surgeon at Brigham and Women’s Hospital and a professor at Harvard can be found at this link to put it in perspective.  In this story, Dr. Gawande reflects on a former patient he helped transition from very difficult and painful, to one that allowed the patient to minimize her pain and the embarrassment of her condition while communicating the love of her students.  It really makes you consider options and value what is important.
It’s not difficult to establish an advanced healthcare directive.  Each state has different requirements and varying regulations.  At this link you can call up a template for the state you live in; just follow the instructions to complete your own healthcare directive.
By the way, this document is in addition to your will; it has nothing to do with your finances.  This is for anyone over 18, young and old, that establishes your wishes if you are no longer able to communicate or make your own healthcare decisions.
Start the conversation.

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Case Studies

Past results are not indicative of the future, but they provide a great way to learn.  Here are 3 case studies explaining how we can help.

Case Study 1

A 88 year old male had a $100,000 universal life policy. The annual premiums were $6,811. The cash surrender value was only $11,000
Download Case Study

Case Study 2

A 75 year old male had a $1,000,000 universal life policy with Genworth. The annual premiums were $32,000. The cash surrender value was only $0
Download Case Study

Case Study 3

An 83 year old female had a $2,000,000 life insurance policy with New York Life. The annual premiums were $90,000. The cash surrender value was only $68,000
Download Case Study

Help Educate Others

Calling out all: CPAs, bankers, attorneys, financial planners, investment and insurance professionals, sons & daughters - 40+ million seniors over 65 have $750 billion in life insurance. Let them know that options exist to cash out their policy for more than surrender value.

How We Can Help

We’re affiliated with a 16-year old company experienced in the life & structured settlement business, with 20+ private equity firms competitively bidding for your policy, thereby increasing your value received. We know of no others that use this unique process. Working with Crump Life Insurance Services, the largest life insurance agency in the nation, we can provide you the best products and world-class service.

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Life Insurance Facts

Did you Know? that 90% of life insurance policies lapse? Don’t stop paying because your situation has changed.

Why do people sell their life insurance policies?

1. The policy owner no longer needs coverage  
2. The beneficiaries of the insurance policy die before the person covered by the policy
3. A change in business ownership makes the policy unnecessary
4. The policy has not performed as expected or premium payments have become burdensome
5.  A change in policy type or coverage amount is necessary to address current objectives
6. Obtain cash now to achieve other objectives

And one final note, even term life insurance policies can be sold.  So, if you know a business owner with key-man life insurance, or someone else with a term policy, do NOT allow them to let the policy lapse without considering a life settlement.

"There are clear financial benefits to a life settlement. Life settlements offer policy owners an immediate and significant lump sum payment and relieve them from the burden of paying future premiums".

Why do people sell their life insurance policies?

1. Funding long term care  
2. Maintaining lifestyle
3. Making gifts to heirs or charities
4. Purchasing investments or other insurance products
5. A change in policy type or coverage amount is necessary to address current objectives
6. Achieving other financial objectives

About Robin Roberts

From the mailroom to the Board Room, Robin has been in banking for 40+ years. Now he’s established a new business helping people improve their financial future. Educating strategic partners and seniors on how they can turn the death benefit of their life insurance to a living benefit. Leverage the experience of Robin & BrightPath to learn about how we can improve your financial future together.
  • University of Minnesota - BSB-Accounting
  • CSA - Certified Senior Advisor
  • CME, CSE and SCPS - certifications from Sales & Marketing Executives International
  • Minnesota License #40385211 Resident Insurance Producer, Accident & Health, Life
  • Florida License #W254985 Nonresident Life & Variable Annuity and Health
To learn more or have a FREE, no-obligation evaluation, call us toll free at 1-800-845-1840. Check out our website at, or email us at
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Copyright ® *April 14, 2016* *BrightPath Financial Corp.*, All rights reserved.

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