Understanding Your Policy
Average Life Insurance Settlement Payout
What do life settlements actually pay? Industry data from LISA and Conning shows the typical range, what drives it, and why averages can be misleading for any single policy.
Understanding Your Policy
Cash Surrender Value Explained
Cash surrender value is the amount the insurance carrier pays to take your policy back. Here is how it is calculated, why it is often lower than expected, and what to know before surrendering.
Understanding Your Policy
What Disqualifies a Policy from a Life Settlement?
Most disqualifications come down to four factors — but 'no' today is rarely 'no' forever. Here is what actually keeps a policy from qualifying, and what to do if yours falls outside the lines.
Understanding Your Policy
Tax Implications of a Life Settlement: What Sellers Should Know
How life settlement proceeds may be taxed, broken into the three commonly-discussed buckets — basis recovery, ordinary income, and capital gains. Educational only — consult your tax professional.
For Agents & Advisors
The Advisor's Role in a Life Settlement Referral
A practical walkthrough for financial advisors and insurance agents — what your role actually looks like when you refer a client to a life settlement broker, from first conversation to closing.
Understanding Your Policy
How Life Settlement Payouts Are Actually Calculated
It is not based on face value. It is not the surrender value. It is not what you have paid in premiums. Here is what actually drives a life settlement offer — and why two similar policies can produce different numbers.
For Agents & Advisors
The Convertible Term Deadline Trap: Why Advisors Miss It
Convertible term policies have a quiet conversion deadline — and once it passes, your client's options narrow sharply. Here's why advisors miss it and how a life settlement may still help.
Life Settlement Basics
What Is a Life Settlement Broker?
A life settlement broker shops your policy to multiple buyers to get you the best offer. Here's how brokers work and why most seniors choose them over going direct.
Life Settlement Basics
Life Settlement vs. Viatical Settlement: What's the Difference?
Both let you sell your life insurance for cash — but they work differently. Here's a plain-language breakdown of which option applies to your situation.
Life Settlement Basics
How Long Does a Life Settlement Take?
Most life settlements close in 60 to 120 days. Here's a plain-language guide to every step of the process — so you know exactly what to expect.
Life Settlement Basics
What Is a Life Settlement? A Simple Guide for Seniors
Learn what a life settlement is, how it works, and whether selling your policy could put real money in your pocket.
Life Settlement Basics
Should You Surrender Your Life Insurance or Sell It?
Before you surrender your policy back to the insurance company, read this. You may be leaving tens of thousands on the table.
Understanding Your Policy
How Much Is My Life Insurance Policy Worth?
These 5 factors determine what you could receive in a life settlement — and one of them might surprise you.
Financial Planning
5 Signs It Might Be Time to Sell Your Life Insurance
Not sure if a life settlement is right for you? These 5 signs suggest it might be time to explore your options.
Financial Planning
What Happens When You Can't Afford Premiums?
Struggling with life insurance premiums? Before you let your policy lapse, you may have a valuable alternative.
Understanding Your Policy
Can You Sell a Term Life Insurance Policy?
Term life insurance can sometimes be sold — but the rules are different. Here's when it's possible and what to expect.
Understanding Your Policy
What Happens When a Life Insurance Policy Lapses?
A lapsed policy means losing years of premiums with nothing to show for it. Here's what happens — and what you can do before it's too late.
For Agents & Advisors
Client Received a Lapse Notice? Here's What to Do Next
When a client calls about a lapse notice, a life settlement may be the best option. Learn how to guide the conversation.
For Agents & Advisors
Life Settlements for Life Insurance Agents: A Complete Guide
Everything agents need to know about adding life settlements to their practice, from compliance to compensation.
For Agents & Advisors
How to Talk to Clients About Life Settlements
Practical scripts and conversation starters for introducing life settlements to senior clients naturally.
For Agents & Advisors
Which Policies Qualify for a Life Settlement?
Learn the key criteria for life settlement eligibility so you can identify opportunities across your book of business.
For Agents & Advisors
Why Seniors Let Life Insurance Policies Lapse
Understanding the root causes of policy lapses helps advisors identify and act on life settlement opportunities before it's too late.