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. It's time to change 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 significant market value that's invisible without a formal review. A complimentary policy review can uncover options your client never knew existed.
When Should You Review a Client's Policy?
Life changes create planning opportunities. These are the moments when a policy review can unlock hidden value — or prevent unnecessary loss.
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 can convert unneeded life insurance into immediate funds for care — often far exceeding CSV.
We Become Part of Your Planning Team
Accelerated Life Solutions operates as your back-office partner for life insurance policy reviews. You maintain the client relationship — we handle the analysis, market exposure, and transaction management.
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. Takes less than 5 minutes.
We Evaluate Settlement Eligibility
Our team screens the policy against market criteria within 24–48 hours and provides a preliminary assessment — free and confidential.
Life Expectancy & Competitive Bidding
For qualifying policies, we order independent LE reports and present the case to our institutional buyer network in a transparent auction process.
You Review Offers With Your Client
All offers come through you first. We provide clear documentation so your client can make a fully informed decision with their trusted advisor.
Funds Delivered — Case Closed
If an offer is accepted, we handle all compliance, ownership transfer, and escrow. Proceeds paid directly. Typical timeline: 30–60 days.
Why Financial Advisors Choose Us
We built our practice around one principle: serve the advisor, and the client outcome takes care of itself.
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, every bid, every step — fully visible to you and your client. No hidden fees. No undisclosed spreads.
No-Cost Evaluation
Policy appraisals are always free and non-binding. There is zero cost to you or your client unless a settlement closes.
Competitive Marketplace
We run a true multi-buyer auction — not a single provider offer. This consistently produces the highest proceeds available.
Experienced Case Managers
Dedicated case managers with 30+ years of life settlement experience handle every file from submission to funded close.
Licensed Specialists
Brian Hurley is a licensed life settlement broker operating under full state regulatory compliance in 44+ jurisdictions.
Advisor-First Philosophy
We never market directly to consumers. Every case originates through a professional referral. Your client relationship is never at risk.
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.
Read the Complete Advisor GuideBefore Your Client Surrenders Their Policy — Ask One More Question.
What is it worth?
Request a Complimentary Policy ReviewFree. Confidential. No obligation. Results in 24–48 hours.