Premiums Have Increased
Rising cost-of-insurance charges, or a universal life policy that is underfunded or approaching lapse.
Year-end policy review · For financial professionals
Before Your Client Surrenders a Policy, Ask What It’s Worth
Year-end meetings cover portfolios, taxes, and estate plans. Existing life insurance deserves the same attention, especially before a policy is surrendered, replaced, or allowed to lapse.
- No-cost initial review
- Confidential
- Advisor-aligned process
- No obligation to sell
Start a Policy Review
Share the basic case details. We will contact you directly and explain whether a full market review may be appropriate.
2012
Founded · leadership experience since 1994
947
Documented completed cases*
$3.9B
Aggregate policy face amount*
FL #L083995
Florida company license · NPN 16964067
*Based on company records. Face amount is the total death benefit of policies involved, not settlement proceeds.
A better planning conversation
Review life insurance like any other asset
When a policy no longer fits a client's goals, the decision should not begin and end with the surrender value. A secondary-market review may reveal another option. A life settlement may produce more than the cash surrender value, but results vary by case.
The common question
“Should we surrender this policy?”
The stronger question
“Before we surrender it, what is it actually worth?”
Policies worth revisiting
Policies worth a second look this quarter
Coverage No Longer Fits
Retirement, divorce, or a change in family needs has removed the policy's original purpose.
Estate Plan Changes
Trusts, ILITs, or wealth-transfer goals have been restructured, and the coverage is no longer needed in the same form.
Business Coverage Is Obsolete
Buy-sell, key-person, or executive coverage tied to a business that was sold or restructured.
A Replacement Is Planned
Value the existing policy 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.
Initial screening
Is your client a candidate?
Each case is different. These characteristics often justify an initial review.
- Insured generally 65 or olderYounger insureds may also qualify when there has been a significant health change.
- Face amount often $250,000+Larger policies typically draw broader institutional buyer interest.
- Permanent or convertible coverageUniversal life, whole life, survivorship, and convertible term policies may be considered.
- Coverage no longer fits the planPremium burden, changed needs, a planned replacement, or impending lapse.
Common factors, not requirements. Waiting periods and other rules vary by state.
Advisor-aligned process
You remain the trusted advisor
We handle the transaction work while keeping you informed and protecting your client relationship.
- 1
Initial Review
Share basic policy, age, premium, and health details. A preliminary valuation may be available within approximately 24 hours after sufficient initial information is received.
- 2
Underwriting
With authorization, we coordinate policy records and independent medical underwriting.
- 3
Competitive Market Review
When appropriate, qualifying policies are presented to qualified institutional buyers.
- 4
Offer Review & Decision
We present offers transparently. Your client decides, with no obligation to proceed.
- 5
Closing
We manage documentation, carrier transfer, and closing while keeping you informed.
Timelines vary and are estimates. No fixed completion date is guaranteed.
Frequently asked questions
Questions advisors ask
Is there a cost for the initial review?+
No. The initial review is complimentary and confidential, and there is no obligation to sell.
Does a review obligate my client to sell?+
No. An initial review determines whether the policy may qualify and whether seeking market offers makes sense. The client remains free to decline any offer.
Will you contact my client directly?+
When a financial professional refers a case, we coordinate the process with you and keep you involved throughout the transaction. We work with financial advisors, estate attorneys, CPAs, and insurance professionals, and also serve policyowners directly.
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 is the broker paid?+
Broker compensation is determined case by case, considering the circumstances and economics of each transaction, and is always disclosed before the transaction is finalized. Compensation is structured to support successful transactions while staying transparent with the appropriate parties. Applicable compensation and transaction costs are disclosed in accordance with governing state laws and transaction documentation.
How long does it take?+
Qualified submissions may receive a preliminary valuation within approximately 24 hours after sufficient initial information has been received. The overall timeline depends on underwriting, documentation, buyer requirements, and carrier processing. No fixed completion date is guaranteed.
Have a case in mind?
The costliest mistake may be never asking. Share the basic case details and we will tell you whether a full market review may be appropriate.
Start a Policy ReviewRelated resources for advisors
Advisor Knowledge Center
Browse all advisor guides, articles, and tools in one place.
Life Settlement Calculator
Get a quick estimate of potential policy value for your client.
Advisor's In-Depth Guide
The complete guide to life settlements for financial professionals.
Why Q4 Is the Time to Review
How year-end planning creates a natural window for policy reviews.
The Fiduciary Case for Reviews
Why overlooking policy reviews may expose advisors to liability.
7 Signs a Policy Should Be Reviewed
A practical checklist of early warning indicators.
Florida Company License #L083995 · NPN 16964067 · Brian Hurley, FL Individual License #E113686. Additional state licenses upon request, subject to applicable state requirements.
Not every policy qualifies for a life settlement. Eligibility and outcomes depend on policy characteristics, insured health, premiums, underwriting, and market conditions. Timelines are estimates, not guarantees. This page is for educational purposes and is not financial, tax, or legal advice. Licensing & Disclosures · Legal Disclaimer