"One 76-year-old man developed financial problems after his wife passed away and realized he could no longer afford to pay the premiums for a $2.5 million survivorship universal life policy. He was prepared to cash it in for just $55,544 when his broker referred him to a specialist in life settlements. Having received $785,000 as a top bid, he was able to secure his future years and told his broker that this had changed his life. "