Life Settlement

Policy Owners have the option to sell their existing life insurance for a lump sum of cash or retained-death-benefit (RDB) today!

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  1. NO OBLIGATION - There is never any obligation to sell your life insurance policy. Throughout the process, the policy owner is kept up-to-date, and once offers are made it is up to the policy owner to dicide whether to move accept and move forward or not.
  2. NO COST - The overhead and expenses needed to underwrite, price and obtain offers for a potential life settlement case are paid by the broker. Whether the policy is sold or not, the policy owner is never charged for these services.
  3. NO HASSLE - Once a life settlement application is completed, the broker handles the rest. While a phone call with the carrier may sometimes be required, the process is made as hassle-free as possible for the policy owner.

Industry Overview

The standard eligibility for a Life Settlement is an insured age 65+, with a policy face amount greater than $100k, and who has had health decline since the original issuance of the policy. This opportunity does not require terminal illness, even relatively healthy individuals may qualify!


$

900

Billion



Amount of Life Insurance That Lapses Annually (roughly)

Some estimates show that over 90% of life insurance policies lapse before maturity. Life Settlement provides an alternative worth exploring.


$

180

Billion



Lapsing Life Insurance That Could Qualify for Life Settlement

The Life Settlement opportunity is growing as term policies reach conversion deadlines and the baby-boomer generation retires.


$

36

Billion



Potential Annual Payouts to Policy Owners Who Qualify

The Life Settlement industry is opperating at roughly 6.4% of this potential. Many who qualify are lapsing and not pursuing cash offers.

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Why Do People Sell Their Life Insurance Policies?

Every situation is unique, but in general, sellers move forward with the Life Settlement option for many of the same reasons

Health Issues

Over time, health issues may arise and the cost of managing medical bills and medications can become burdensome. Life Settlement is an excellent way to cover some of these costs while removing the premium burden.

Unlock Funds For Retirement

Funding retirement can often become an issue, and finding unique ways to meet cash flow demands is important. Life Settlement may allow the liquidation of a life insurance policy to provide funds to cover retirement expenses.

Premiums Are Unmanageable

While the need for life insurance may remain, the premium payments may become unmanageable. Often times premiums will increase over time or when a policy needs to be converted. A Life Settlement will eliminate any future premium payment responsabilities for the owner.

Needs Have Changed

During the course of life the need for life insurance often changes. Estate taxes, mortgage payments, college tuition and income replacement may no longer be applicable. This can mean there is more converage in place than might be necessary and a Life Settlement can be a great option.

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