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Life Settlement Blog & Resources

Expert commentary, valuation walk-throughs, and regulatory insights for policyowners, financial advisors, and fiduciaries navigating the secondary market for life insurance.

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Latest Articles

Q4 Policy Review: Why Fall Is the Best Time to Evaluate Life Insurance

Seasonal Planning

September 1, 2026 9 min read

Q4 Policy Review: Why Fall Is the Best Time to Evaluate Life Insurance

Premium renewal cycles, year-end tax planning, and strong market conditions converge in Q4 — making September through November the most impactful window for advisors to review client life insurance portfolios.

Life Settlement Closing Process: From Offer to Payout

August 21, 2026 8 min read

Life Settlement Closing Process: From Offer to Payout

You've accepted an offer on your life insurance policy. Now what? A step-by-step guide to the closing timeline — from documentation and rescission periods to ownership transfer and escrow payout.

Building a Life Settlement Review Process into Your Retirement Practice

Practice Management

July 24, 2026 10 min read

Building a Life Settlement Review Process into Your Retirement Practice

Most retirement-focused practices interact with dozens of policy owners each year — yet fewer than 5% ever evaluate whether those policies hold secondary market value. Here's a repeatable, compliant review process.

How to Talk to Your Financial Advisor About Selling Your Life Insurance Policy

June 27, 2026 6 min read

How to Talk to Your Financial Advisor About Selling Your Life Insurance Policy

Millions of Americans are sitting on policies they no longer need — without knowing they could sell them. Here's how to start the conversation, and what to do if you can't reach your advisor.

Life Insurance Accelerated Death Benefit: 2026 Complete Guide

Policy Features

June 26, 2026 9 min read

Life Insurance Accelerated Death Benefit: 2026 Complete Guide

Understand accelerated death benefits — how they work, who qualifies, tax treatment under IRC §101(g), and how they compare to life settlements and viatical settlements.

Best Life Settlement Companies 2026: Brokers vs. Providers Ranked

June 25, 2026 10 min read

Best Life Settlement Companies 2026: Brokers vs. Providers Ranked

Compare the top life settlement companies in 2026. Independent brokers vs. direct buyers — who to trust, what to look for, and how to get the highest payout.

Retirement Income from Life Insurance: Your 2026 Guide

Retirement Planning

June 19, 2026 10 min read

Retirement Income from Life Insurance: Your 2026 Guide

Most retirees think of life insurance as only a death benefit. Discover how cash value, policy loans, LIRPs, and life settlements can fund a more secure retirement.

Cancer Life Settlement: Your 2026 Financial Guide

Illness Planning

June 16, 2026 8 min read

Cancer Life Settlement: Your 2026 Financial Guide

For cancer patients facing mounting treatment costs, selling your life insurance policy can unlock significant funds — including tax-free viatical proceeds.

What Is a Life Settlement? A Complete Guide for Seniors and Heirs

May 30, 2026 8 min read

What Is a Life Settlement? A Complete Guide for Seniors and Heirs

A life settlement converts an underperforming life insurance policy into immediate cash — consistently paying more than surrender value.

In-Force Illustrations: The Numbers That Drive Life Settlement Value

Policy Valuation

March 1, 2026 6 min read

In-Force Illustrations: The Numbers That Drive Life Settlement Value

The fastest way to spot premium strain, hidden lapse risk, and value drivers before you market a policy.

All Articles

Survivorship Policy Settlement: Maximize Your Payout

Policy Strategy

June 13, 2026 8 min read

Survivorship Policy Settlement

Most policyholders don't know their second-to-die policy can be sold before both insureds have died — for significantly more than its cash surrender value.

Life Settlement Payout vs. Premium Savings: 2026 Guide

Financial Analysis

June 12, 2026 9 min read

Payout vs. Premium Savings 2026

2025 data shows average settlements paid nearly 9x cash surrender value. Full economic comparison including tax treatment.

Life Settlement Versus Long-Term Care Costs in 2026

June 9, 2026 8 min read

Life Settlement vs. LTC Costs 2026

The average life settlement payout can cover 20–38 months of long-term care. See how it stacks up against every other funding option.

Life Settlement vs. Accelerated Death Benefit: A Senior's Guide

June 5, 2026 8 min read

Life Settlement vs. ADB

One option keeps you in control of your policy. The other transfers it entirely. A complete 2026 comparison for seniors.

Why Financial Professionals Use Life Settlements in 2026

Advisor Resource

June 2, 2026 9 min read

Advisors & Life Settlements 2026

Advisors who ignore life settlements risk leaving measurable value on the table. A complete fiduciary workflow guide for 2026.

Funding Long-Term Care via Life Settlement: A Senior's Guide

June 1, 2026 9 min read

Funding Long-Term Care

A life settlement converts a dormant insurance asset into active care funding — with no restrictions on how the lump sum is spent.

Life Settlements and Taxes: Your Complete 1099-LS Guide

Tax & Compliance

May 27, 2026 8 min read

1099-LS Tax Guide

How Form 1099-LS works, the three-tier federal tax framework, and what the viatical settlement exclusion means for your tax bill.

Orphaned Policy Life Settlement Opportunities: 2026 Guide

Advisor Opportunity

May 25, 2026 8 min read

Orphaned Policy Settlements

Policies without an active managing advisor are among the most overlooked settlement opportunities. A guide for advisors and policyowners.

Life Settlement Broker vs. Direct Buyer: Advisor Guide

Advisor Playbook

May 19, 2026 8 min read

Broker vs. Direct Buyer

Going directly to a buyer is not equally effective — it costs clients money. The complete financial and fiduciary case for advisors.

Viatical Settlement: What Terminally Ill Policyholders Need to Know

Terminal Illness

May 18, 2026 7 min read

Viatical Settlement Guide

A viatical settlement lets terminally ill policyholders sell their life insurance for 50-80% of face value — often completely tax-free.

Can You Cash Out Term Life Insurance? What to Know

Policyholder Education

May 18, 2026 7 min read

Cash Out Term Life Insurance?

Term life has no cash value — but a convertible term policy may have secondary market value. Learn every option available to you.

Choosing a Life Settlement Representative: A Senior's Guide

May 16, 2026 8 min read

Choosing a Settlement Representative

Sellers who work with qualified brokers receive 6.5x more than cash surrender value. How to verify credentials and avoid red flags.

Why Whole Life Policies Qualify for Life Settlements

Policy Eligibility

May 16, 2026 7 min read

Why Whole Life Qualifies

Whole life delivers what settlement buyers want most: contractual certainty, guaranteed cash value, and permanent coverage.

Retained Death Benefit: Keep Coverage While Unlocking Liquidity

Advanced Strategy

April 3, 2026 7 min read

Retained Death Benefit

How retained-benefit life settlements work, who they fit, and the key numbers advisors should review before running the market.

Life Settlements in a Trump Economy: A Market Reawakened

Market Insights

December 12, 2025 8 min read

Life Settlements in a Trump Economy

Why renewed confidence, stabilized rates, and demographics are lifting policy values — and how fiduciaries should respond.

A Financial Advisor's Guide to Life Settlements

Advisor Playbook

November 5, 2025 5 min read

The Advisor's Guide to Life Settlements

A practical playbook for financial advisors to identify candidates, structure cases, and protect clients.

Real Outcomes: Life Settlement Case Studies

October 21, 2025 5 min read

Real Outcomes: Life Settlement Case Studies

Side‑by‑side case studies showing how policyowners unlocked value versus lapse or surrender scenarios.

Life Settlements FAQs

September 10, 2025 4 min read

Life Settlements FAQs

Straight answers to the most common questions from policyowners, advisors, and families.

Inside the Investor Perspective

Investor Insight

August 27, 2025 7 min read

Inside the Investor Perspective

How institutional buyers evaluate risk, price longevity, and structure bids in the secondary market.

Lapse vs. Life Settlement: A Numbers-First Comparison

July 9, 2025 6 min read

Lapse vs. Life Settlement

When surrendering or lapsing a policy leaves money on the table — and how to quantify the difference.

The Role of Life Expectancy in Life Settlement Valuation

June 12, 2025 7 min read

The Role of Life Expectancy in Valuation

Why LE drives pricing, how underwriters think, and what ranges mean for policy value.

Tax Implications of Life Settlements: Ordinary Income vs. Capital Gains

Tax & Compliance

May 4, 2025 6 min read

Tax Implications of Life Settlements

A clear overview of ordinary income vs. capital gains, basis rules, and viatical exceptions.

Top 5 Mistakes Policy Owners Make When Selling Their Life Insurance Policy

April 10, 2025 5 min read

Top 5 Mistakes Sellers Make

Avoidable pitfalls that reduce offers or kill otherwise viable cases — and how to sidestep them.

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