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The basics are simple. Policy owners may want to sell their life insurance policy for money they can use now. A seller can expect to be paid some amount that is a percentage of the death benefit. Understand that the amount the seller will get will be more than the original insurer would pay if the owner just wanted to surrender the policy. Investors purchase the policy. They hope to profit when the insured person passes away. The difference between the actual policy death benefit and the amount they had to invest would be their profit.
