Melville Capital

Comments:

Reason for Selling Policy

-- Select -- Premium payment is too high Policy Under performance A Key Person policy is no longer needed Bankruptcy (personal or Corporate) A Term policy is about to lapse or the conversion option is about to expire Death or Divorce of Beneficiary Changes in Estate/Tax Planning Considering a 1035 Exchange Applying for Medicaid (or a similar program) Other

Client Age & Sex - Minimum Age 65

 1 Point

Male age 74 or less/Female age 77 or less

 2 Point

Male age 75-78/Female age 78-81

 3 Point

Male age 79-83/Female age 82-86

 4 Point

Male age 84+/Female age 87+

Medical Condition

 1 Point

Healthy

 2 Point

Has minor health problems

 3 Point

Health has changed considerably since policy issue

 4 Point

Client has developed serious medical issues

Policy Type

 1 Point

Whole Life or Survivorship Whole Life

 2 Point

Term Life (must be convertible)

 3 Point

Universal Life or Variable Life

 4 Point

Survivorship Universal Life or Variable Survivorship Life

 5 Point

Joint Survivorship with one deceased

Cash Value as a Percentage of Face Amount

 0 Point

31% or greater

 1 Point

21% - 30%

 2 Point

16% - 20%

 3 Point

11% - 15%

 4 Point

6% - 10%

 5 Point

0% - 5%

Current Premiums as a Percentage of Death Benefit

 1 Point

4.0%+

 2 Point

3.0% - 3.9%

 3 Point

2.0% - 2.9%

 4 Point

1.0% - 1.9%

Outstanding Loans as a Percentage of Death Benefit

 1 Point

31%

 2 Point

21% - 30%

 3 Point

11% - 20%

 4 Point

0% - 10%