A 76 year-old man owned a policy with an $8 million face amount and a $795,000 cash surrender value. He sold the policy for $2.3 million rather than let it lapse, cancel it or take the cash value.

"I saw no harm in learning about my options, especially at no out of pocket expense and no obligation. Within several weeks of authorizing a confidential release of my medical and insurance information, I had an offer of $130,000 for my policy - $90,000 more than the policy's cash value. Not only did I pocket the cash, but I was able to buy the same replacement coverage for lower premiums than I was paying on my old policy. Honestly, it was a stroke of financial genius!"

An 83 year-old woman was ready to strip the policies of their cash value and cancel them because they were not performing to her expectations. But, her advisor understood that his client also needed some life insurance. He helped her sell the old policies for the cash value PLUS another $1.85 million in cash. These funds were partially used to purchase a new $9 million guaranteed death benefit product for just 1/3 of what his client was paying before. In effect, the client walked away with the same amount of insurance and extra cash in her pocket.

"Oxford Financial created unexpected wealth for my family."

"Before I met Oxford Financial I thought it was only the insurance companies that got rich!"

"One of the best decisions I made in the last 65 years!"

"My wife and I are very conservative and after careful investigation, we chose Oxford Financial."