[trickster]

Yes I have. It helps to be in a career or know people in a career that do business with the elderly. Usually this means dealing with the kids or grand-kids of the people that actually own the insurance policies. There are different govt benefits for the elderly that require financial/legal planning in order to qualify. In other words, these benefits have net worth limitations (i.e. you can't have more than $XXXX.XX and still qualify). So if someone has a whole life policy with a cash surrender value of, say, $40,000 and a death benefit of $70,000, then they need to surrender the policy in order to spend-down/do planning. Or maybe the person just bought too much insurance and needs the liquidity to move into an assisted living facility or hire home care. They key point to remember is that the policy owner must be in poor health. You don't want to buy a policy from someone that is going to live for another 10 years.