Most buyers prefer policies with a face value of at least $100,000, although some cases may qualify at slightly lower amounts depending on premiums, the insured’s age, and other factors. Larger policies generally produce stronger offers because they fit more easily into investor portfolio models. Policies under $50,000 rarely qualify because the administrative and premium costs outweigh the potential return. However, the face value alone does not determine eligibility.
A $100,000 policy with low premiums and a stable structure may qualify even if the payout is modest. A larger policy with very high premiums may receive lower interest despite its size. Seniors should not rule out their policy based solely on the benefit amount. The best way to know whether a policy meets minimum requirements is to complete an estimate or application, which provides clarity based on all the factors buyers consider.
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