The percentage of the face amount of the policy paid in full to the seller at closing is primarily determined by:

-The amount of life insurance coverage.

-Estimated life expectancy of persons with this condition.

-Medical condition of the insured, and responsiveness to treatments.

-Loans, if any, currently pledging against the policy.

-Amount of premiums necessary to keep the life insurance policy in force.

-Credit and solvency ratings of the insurance company

-Credit ratings and prospects of the employer on employer provided policies.

-Prevailing interest rates.

-The type of insurance coverage (individual, term, group, etc.)