Life Insurance Policy Review: Every Asset Gets Reviewed. Why Not Life Insurance?
Financial advisors review investments, retirement income, estate plans, and tax strategies every year. Yet one of the largest financial assets many clients own — their life insurance — often receives no attention at all. A life insurance policy review changes that.
Financial advisors spend countless hours helping clients optimize their financial lives. Investment allocations are reviewed. Retirement income is reviewed. Estate plans are reviewed. Tax strategies are reviewed. Yet one of the largest financial assets many clients own often receives little attention: Their life insurance policy.
Policies purchased decades ago for income protection, estate planning, or business succession may no longer serve their original purpose — and may hold secondary-market value that's invisible without a formal review. A complimentary life insurance policy review can uncover options your client never knew existed. A life settlement may produce more than the policy's cash surrender value, but results vary by case. A free evaluation shows whether a policy may have secondary-market value.
When Should You Do a Life Insurance Policy Review?
Life changes create planning opportunities. These are the moments when a policy review can reveal options — or prevent unnecessary loss. See also 7 signs a life insurance policy should be reviewed.
Client Retires
Coverage purchased for income replacement may no longer serve its original purpose. A review can reveal hidden value.
Estate Changes
Beneficiary shifts, inheritance law updates, or new estate plans may make existing coverage misaligned or unnecessary.
Business Sold
Key person or buy-sell policies tied to a business that no longer exists may hold significant untapped market value.
Divorce
Marital dissolution often eliminates the need for coverage originally designed to protect a spouse or family unit.
Premiums Increase
Rising cost-of-insurance charges or UL policies approaching lapse create urgency to explore alternatives before value disappears.
Trust Termination
ILITs being unwound or trusts reaching termination dates may hold policies that can be monetized for beneficiaries.
Policy Replacement
Before replacing an existing policy with new coverage, determine whether the old policy has market value exceeding its cash surrender.
LTC Concerns
Clients facing long-term care needs may be able to convert unneeded life insurance into funds for care. Results vary by case.
We Become Part of Your Planning Team
Accelerated Life Solutions works as a partner for life insurance policy reviews. When you refer a client, you maintain the relationship — we handle the analysis, market exposure, and transaction coordination. Learn more about the full life settlement process.
You Submit a Policy for Review
Share basic policy details — carrier, face amount, policy type, and insured's age. No medical records needed at this stage.
We Evaluate Settlement Eligibility
Our team screens the policy against market criteria and provides a preliminary assessment — free and confidential. Qualified submissions may receive a preliminary valuation within approximately 24 hours after sufficient initial information has been received.
Life Expectancy & Competitive Bidding
For qualifying policies, we coordinate independent life expectancy reports and present the case to multiple qualified institutional buyers.
You Review Offers With Your Client
When you refer a client, offers come to you first. We provide clear documentation so your client can make a fully informed decision.
Closing and Proceeds
If an offer is accepted, we coordinate compliance, ownership transfer, and escrow through closing. Overall timeline varies with underwriting complexity, documentation availability, buyer requirements, and carrier processing. Estimated closing and funding timelines are communicated as the transaction progresses. No fixed completion date is guaranteed.
Why Advisors and Policyowners Choose Us
We built our practice around informed decisions, competitive buyer participation, and transparent compensation disclosure.
Independent
We are not captive to any carrier or buyer. Our only obligation is to maximize your client's outcome through competitive market exposure.
Transparent
Every offer and every step is visible to you and your client. Broker compensation: Determined case by case; always disclosed before the transaction is finalized.
No-Cost Evaluation
Policy evaluations are free and non-binding. There is no obligation to accept any offer.
Competitive Marketplace
We present policies to multiple qualified buyers rather than a single provider, so offers can be compared.
Experienced Leadership
Founded in 2012, with leadership experience in the life settlement industry since 1994.
Licensed Specialists
Accelerated Life Solutions, LLC is a licensed life settlement broker in Florida (Company License #L083995; NPN 16964067). Brian Hurley holds Florida Individual License #E113686. Additional state licenses are obtained upon request, subject to applicable state requirements.
Advisors and Policyowners
Policyowners may contact us directly for a confidential policy evaluation. If you work with a financial or insurance professional, we can coordinate with them as appropriate.
Want the Full Picture?
Our comprehensive guide covers the fiduciary case, regulatory landscape, valuation factors, case studies, and everything you need to confidently discuss policy reviews with clients. Also see why life insurance policy reviews are a best practice.
Read the Complete Advisor GuideWho we work with
Policyowners may contact us directly for a confidential policy evaluation. If you work with a financial or insurance professional, we can coordinate with them as appropriate.
Own a policy? Request a confidential evaluation- Financial advisors and wealth managers
- Estate planning attorneys
- CPAs
- Life insurance agents
- Trustees and fiduciaries
- Individual life insurance policyowners
Life Insurance Policy Review FAQs
What is a life insurance policy review?
A life insurance policy review is a professional evaluation of an existing life insurance policy to determine whether it still serves the owner's financial goals and whether the policy may have secondary-market value through a life settlement.
When should a life insurance policy review be done?
Common triggers include retirement, estate plan changes, divorce, business sale, rising premiums, trust termination, long-term care needs, or any situation where coverage is no longer needed or affordable.
Is there a cost for a life insurance policy review?
No. Accelerated Life Solutions provides complimentary, no-obligation policy evaluations for financial professionals and policyowners. There is no obligation to sell.
What types of policies are commonly considered for a life settlement?
Universal life, whole life, and convertible term policies are commonly considered, particularly when the insured is age 65 or older. Not every policy qualifies for a life settlement. Eligibility and outcomes depend on policy characteristics, insured health, premiums, underwriting, and market conditions.
How long does a life insurance policy review take?
Qualified submissions may receive a preliminary valuation within approximately 24 hours after sufficient initial information has been received. Overall timeline varies with underwriting complexity, documentation availability, buyer requirements, and carrier processing. Estimated closing and funding timelines are communicated as the transaction progresses. No fixed completion date is guaranteed.
Does the advisor remain involved throughout the process?
Yes. When a financial professional refers a client, Accelerated Life Solutions coordinates with that professional and keeps them involved throughout the review and any transaction.
Can a policy be worth more than its cash surrender value?
A life settlement may produce more than the policy's cash surrender value, but results vary by case. A free evaluation shows whether a policy may have secondary-market value.
Can a policyowner request a life insurance policy review directly?
Policyowners may contact us directly for a confidential policy evaluation. If you work with a financial or insurance professional, we can coordinate with them as appropriate.
Before Your Client Surrenders Their Policy — Ask One More Question.
What is it worth?
Request a Complimentary Policy ReviewFree. Confidential. No obligation. Qualified submissions may receive a preliminary valuation within approximately 24 hours after sufficient initial information has been received.