Helping Advisors Unlock Hidden Value in Life Insurance Policies

Whether you’re a trusted advisor guiding clients through complex planning decisions, or a policy owner evaluating your options, Evergreen’s transparent, unbiased approach empowers you to explore the secondary market with confidence and clarity.  As a seasoned life settlement broker, Evergreen blends deep industry expertise with a client-first philosophy that treats every policy as if it belonged to a family member, helping policy owners uncover the true value hidden in life insurance policies that might otherwise lapse or be surrendered.

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We built Evergreen because advisors deserve a faster, clearer way to evaluate policies - without the fluff, pressure, or guesswork.

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The Hidden Value in Life Insurance

Most policy owners and their advisors don't realize their life insurance could be worth far more than the surrender value offered by the carrier.

$510M+

Value Uncovered

Total paid to consumers above cash value in 2024

4-8x

Typical Value Increase

Market value often exceeds cash surrender value by significant multiples

$120B+

Annual Market Opportunity

Amount of death benefit on senior-insured policies lapsed or surrendered each year

Know Your Options

When a life insurance policy no longer serves your purpose, there are several paths forward. Understanding each helps advisors guide clients to the best decision.

Surrender/Lapse

Relinquish your coverage back to the carrier and receive any available cash surrender value.

Considerations:

  • Walk away from years of premiums paid
  • Potentially leave money on the table

Keep

Maintain existing coverage by continuing to make necessary premium payments.

Considerations:

  • Continue investing in a policy that no longer serves its original purpose
  • Manage growing administrative complexity and policy overhead

Best Value Option

Sell (Life Settlement)

Unlock hidden value in unwanted, unneeded, or underperforming life insurance by selling on the secondary market.

Considerations:

  • Maximize the value of an important asset
  • Allocate the cash proceeds and the premiums savings to enhance other planning strategies
  • Receive cash now or retain a portion of the death benefit without further premium obligation 

Not sure which path is right?

Evergreen helps evaluate all options objectively so you can advise with confidence.

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Why Evergreen?

Built for Advisors Who Demand Excellence

We understand that your reputation is on the line with every recommendation. Evergreen exists to make you look good while doing right by your clients.

Team Extension

We work in partnership with you, bringing specialized life settlement expertise into your process to enhance your client relationships.

Clear Communication

Direct, timely updates and straight forward explanations so you always know where a case stands.

Fierce Advocacy

Each case is positioned and negotiated with a singular focus on achieving the strongest possible outcome for your client.

Professionalism

From first review to final execution, every detail is handled with the precision and discretion your reputation demands.

Market Expertise

Deep experience and real-time market insight to help you maximize value, and uncover real solutions.

Independence

Unbiased analysis and objective recommendations, free from buyer influence or conflicted incentives.

A Clear View of Market Value

Assess a life insurance policy’s market value with the same clarity you’d expect for any other financial asset.

The Market Value Projection (MVP) brings transparency, pricing intelligence, and optionality into focus. Submit an illustration to quickly uncover potential hidden value and understand what options may exist.

Start With Free MVP

Confirm Viability

Determine whether a policy qualifies for secondary market interest before investing a lot of time.

Accurately Assess Value

Set expectations with independent analysis grounded in real buyer demand.

Receive Institutional-Level Pricing

Access competitive market intelligence informed by active institutional buyers.

Know Your Options

Evaluate whether to sell, retain or surrender with clear data to support your recommendations.

Real Results

Case Examples

See how advisors have helped their clients unlock significant value from unwanted policies.

Case Examples

  • Estate Planning

    $1.6M+

    settlement

    Estate Planning Review

    The policyholder was prepared to surrender the trust owned policy after an annual review with his advisor.  Rather than walk away after years of paying premium, they uncovered $1.66 million in “hidden value.”

  • Corporate Owned

    $2.1M

    settlement

    Corporate UL Settlement

    Family Business Sold

    Originally part of a buy-sell agreement, the policies became unnecessary when the owners sold the company to their children. When a business changes hands, keyman and buy-sell life insurance policies often get overlooked..

  • SUrvivorship

    $4M

    settlement

    Over-Insured Estate

    Both insureds living, one sick, the other not.  Had a total of $7M.  Sold $4M. Purchased for estate planning.  CPA said no longer a need (over insured), they had means but priorities of helping children now was a priority.  After a client review, CPA ref’d the client to..

  • Term

    $1M

    settlement

    Unaffordable Premiums

    The dramatic increase in premiums for the expiring term wasn’t feasible for the family and a conversion was never in the plan. Rather than surrendering what appeared to be a “worthless” asset, the policyowner was able to uncover its hidden value to supplement their retirement.

Resources

Educational Resources

Equip yourself with the knowledge to advise confidently on life settlements.

Evergreen Insights

Insights

Insights on our blog
Frequently asked questions

FAQs

Frequently asked questions
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Request an Application

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A life settlement is the sale of an existing life insurance policy to a third-party buyer for more than its cash surrender value but less than the death benefit. Policy owners who no longer need or want their coverage, face changing financial circumstances, or find premiums burdensome may benefit from exploring this option.

Eligibility is based on several factors, including age, health, policy type, face amount, and premium costs. While life settlements are often associated with seniors, age alone doesn’t determine qualification. The best way to know whether a policy qualifies is through a formal evaluation.

Most permanent life insurance policies can be sold, and some term policies may also qualify depending on their structure. Because every policy is different, eligibility is determined through an individual evaluation.

Yes. Some policies allow for a partial sale, providing immediate liquidity while retaining a reduced death benefit. In certain cases, this can be done without ongoing premium payments.