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Page 1: Life contingent secondary market annuities

Terms for

Page 2: Life contingent secondary market annuities

Life Contingent Secondary Market Annuities

Life Contingent SMA means that the

payments due to the seller – and thereby

due to you as a new buyer – depend on the

seller’s life.

If the seller dies after you buy the

payments, the payments will cease to be

made by the insurance company.

Page 3: Life contingent secondary market annuities

But here’s where it gains in value- To make this

a safe investment for you, life insurance is

purchased on the life of the seller that will

pay you any amount due to you under the

remaining terms of your contract.

In order to make this a rock solid and safe

investment for you, life insurance is purchased

on the life of the seller. If the seller passes

away, the life insurance pays you any amount

due to you under the remaining terms of your

contract.

Page 4: Life contingent secondary market annuities

For Those…

Page 5: Life contingent secondary market annuities

Safe Investment…

A life contingent secondary market annuity is really like a callable bond.

A callable bond can be prepaid by the issuing

company at any time.

So if you own this bond, and the issuer decides to prepay, you get your principal

back plus any interest accrued.

You have a safe investment, but you don’t necessarily know how long the term will last.