Helen, a healthy 79-year-old, had a universal life policy worth $150,000. However, the annual premium of $2,500 was becoming too expensive for her to maintain. She wanted to improve her financial situation, but when she approached her insurance company to surrender the policy, they offered her only $677, which was its cash surrender value. Instead, she contacted Lighthouse Life and discovered that she could sell the policy for its market value of $7,000, which was more than ten times its cash value.