This Brokerage works with Life Insurance Policy owners to find buyers for the policy who will pay up to 65% of the full distribution amount that a beneficiary would receive at the owners death while he or she, the policy owner, is still living -- in order to use it for paying medical bills or other wishes. Also August L. Stemmer, mainStem Press, the company owner is an Author of the book The Integers of Human Volitional Judgment sold on Amazon.com and on his other website www.JudementarySystem.com which allows individuals to transfer their discovered character assets into hard facts to use in their resume's and in their job applications.