The planned giving professional at an assisted living facility contacted us regarding this case. He had a client who could no longer afford the care of his facility. She had previously donated her own life insurancy policy to the facility, with the promise to continue making premium payments, which she also could no longer afford. Seeking creative solutions that would allow his client to stay at the facility, he asked for an evaluation of this charity-owned $1,000,000 universal life policy. After shopping the marketplace, we determined the fair market value of the policy to be $150,000, which they decided to accept. The proceeds were used to pay for the client’s care and create a win-win situation for everybody.