The overlooked asset review

The Most Overlooked Asset in Your Client's Financial Plan

Every portfolio gets reviewed. Every retirement plan gets reviewed. Existing life insurance deserves the same attention — especially before a policy is surrendered, replaced, or allowed to lapse.

Request a Complimentary Review Call 888-666-5915

No-cost initial review Advisor-aligned process Competitive market access

Start a Policy Review

Share the basic case details. We will contact you directly and explain whether a full market review may be appropriate.

A better planning conversation

Review life insurance like any other financial asset

When a policy no longer fits the client's goals, the decision should not begin and end with surrender value. A secondary-market review may reveal another option.

The common question

"Should we surrender this policy?"

The stronger question

"Before we surrender it, what is it actually worth?"

Policies worth revisiting

Common situations that deserve a closer look

Premiums Have Increased

The client is struggling to maintain coverage or considering reducing the death benefit.

Estate Needs Changed

Coverage purchased for estate liquidity, tax exposure, or wealth transfer is no longer needed in the same form.

Business Coverage Is Obsolete

A buy-sell, key-person, or executive policy may no longer match the current business structure.

A Replacement Is Planned

The existing policy should be evaluated before it is exchanged, surrendered, or allowed to terminate.

Health Has Changed

A new diagnosis or meaningful change in health may affect the policy's potential secondary-market value.

The Policy Is Approaching Lapse

Earlier review preserves more options and may prevent the loss of potential value.

Initial screening

Your client may be a candidate

Each case is different, but these characteristics often justify an initial review.

Generally age 65 or olderYounger insureds may also qualify when there has been a significant health change.

Policy face amount of $250,000+Larger policies typically attract broader institutional market interest.

Permanent or convertible coverageUniversal life, whole life, survivorship, and convertible term policies may be considered.

Coverage no longer fits the planPremium burden, changed estate needs, policy replacement, or impending lapse may trigger a review.

Advisor-aligned execution

You remain the trusted advisor

Accelerated Life Solutions handles the transaction work while keeping you informed and protecting the continuity of your client relationship.

Initial Review

We evaluate basic policy, age, premium, and health information to determine whether the case merits further analysis.

Underwriting

With authorization, we coordinate policy records and medical underwriting required for institutional market evaluation.

Competitive Bidding

The case is presented to appropriate licensed buyers and providers to create market competition.

Closing Support

We manage negotiation, documentation, carrier coordination, and transaction progress through closing.

The costliest mistake may be never asking

A complimentary review can determine whether an unwanted policy has market value before the client walks away from it.

Request a Policy Review

Frequently asked questions

What financial professionals should know

Does a review obligate my client to sell?+

No. An initial review is designed to determine whether the policy may qualify and whether seeking market offers makes sense. The client remains free to decline any offer.

Will I remain involved in the process?+

Yes. Accelerated Life Solutions works through financial advisors, estate attorneys, CPAs, and insurance professionals. We keep the referring professional informed throughout the case.

What types of policies can be reviewed?+

Universal life, whole life, survivorship, and convertible term policies may qualify. Eligibility depends on the insured's age and health, policy economics, premium requirements, carrier details, and market demand.

How quickly can I get an initial answer?+

Basic screening can often begin with a short call and limited policy information. A full market evaluation requires additional documentation and underwriting.