Life Settlement Case Studies
Documented real-world outcomes from Accelerated Life Solutions — covering viatical settlements, ILIT restructures, premium finance unwinds, retained benefit strategies, and more.
Advisor PracticeRoutine Retirement Review Unlocks $620K in Hidden Policy Value
An RIA's structured life settlement review process flagged a $1.5M universal life policy during a quarterly check-in. A competitive auction returned $620,000 — 8× the carrier's surrender offer — and eliminated $38K/year in premiums.
Estate PlanningEstate Tax Liability Erased by $5M Policy Sale
A New York widow facing a $1.4M estate tax bill used an unwanted $5M universal life policy to generate $925,000 — without touching a single investment account or forcing a real estate sale.
Senior StrategyWife Sells $2M Policy to Fund Memory Care for Husband
With memory care costs exceeding $12,000/month, a 74-year-old woman sold her husband's $2M whole life policy for $187,000 — funding over a year of premium Alzheimer's care from an asset she was about to abandon.
Policy ReviewAnnual Policy Review Uncovers $780K in Hidden Settlement Value
A routine annual review flagged a drifting $3M survivorship policy. A full secondary market auction returned $780,000 — 6× the cash surrender value the carrier quoted.
Divorce SettlementLife Insurance as a Divorce Asset: $1.1M Settlement Recovery
During divorce proceedings, a $4M joint life policy was identified as a marital asset. Rather than surrendering for $48,000, an open-market settlement returned $1.1M — closing the case faster.
ILIT StrategyILIT Premium Burden Eliminated With $340K Life Settlement
An irrevocable life insurance trust weighed down by unsustainable premiums was converted to $340,000 in cash — relieving family tension and delivering unexpected liquidity to beneficiaries.
Policy MaximizationRetired Surgeon Unlocks 4.2× Surrender Value
A retired Houston surgeon's $1.5M whole life policy was generating virtually no returns. The secondary market paid $408,000 — 4.2× what his insurer offered — funding a dream retirement abroad.
Term ConversionTerm Conversion Nets $215,000 Settlement
A 69-year-old Atlanta retiree was about to let his term policy expire worthless. A same-day conversion and life settlement turned that expiring asset into $215,000 in cash.
Business PlanningBusiness Owner Sells Keyman Policy for $290K After Company Sale
After selling his manufacturing company, a Pennsylvania business owner discovered his $2M keyman policy was still active — and the secondary market paid $290,000 instead of the $41,000 surrender offer.
Viatical SettlementCancer Diagnosis Leads to $510K Viatical Settlement
A 67-year-old stage III cancer patient sold his $3M universal life policy for $510,000 — funding treatment, reducing family financial stress, and avoiding a forced lapse.
Policy ReviewForgotten Policy Recovered for $172K Before Lapse
A North Carolina widow whose longtime advisor had retired found a $1.2M policy drifting toward lapse with no one managing it — Accelerated LS recovered $172,000 in just 38 days.
Premium FinancePremium Finance Policy Sold, Loan Repaid, $480K Returned
A premium-financed $10M policy was approaching its loan due date with no good exit — until a life settlement repaid the full $820,000 loan and returned $480,000 to the policyholder.
Senior StrategyRetired Teacher Converts $1M Policy to Lifetime Income
A 70-year-old Michigan teacher sold her $1M whole life policy for $224,000 and used every dollar to fund a lifetime income annuity — replacing the policy with a guaranteed monthly check of $1,140.
Settlement vs. Carrier Offer: Selected Cases
Across our documented cases, the open secondary market consistently returned 3–6× more than what the insurance carrier offered at surrender or buyout.
- Carrier Offer
- Settlement Value
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