American Financial and Retirement Services, Inc. (ďAFRSĒ) is not a life settlement provider or life settlement broker.  AFRS only advises its clients about purchasing or investing in life insurance policies in the tertiary life settlements market and does not work directly with owners of life insurance policies seeking to enter into viatical or life settlement contracts with life settlement providers.  The information contained on this website is intended solely for AFRSís clients who may be interested in tertiary life settlements and is not intended for and may not be relied upon by persons interested in selling their life insurance policies in viatical or life settlement contracts.  No information on this website should be construed as being for the purpose of creating an interest in or inducing a person to purchase or sell, assign, devise, bequest or transfer the death benefit or ownership of a life insurance policy or an interest in a life insurance policy pursuant to a life settlement contract.  Any individuals interested in selling their life insurance policies in viatical or life settlement contracts should contact any one or more of the life settlement brokers or life settlement providers properly licensed in their state of residence.  Void outside the United States and otherwise where prohibited by law.