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.)