A life insurance policy typically sells for more than its cash surrender value and less than its death benefit, with the exact price set by what competing buyers will pay. Buyers base their offers on the insured’s health and life expectancy, the premiums needed to keep the policy in force, and the death benefit, and…
Yes, you can sell a term life insurance policy through a life settlement, and convertible term policies with a death benefit of $100,000 or more draw the most interest from buyers. Whether a specific policy sells depends on the insured’s age and health, how much time is left on the term and on the conversion…
What fiduciary duty actually requires when advisors help clients evaluate a life settlement, from disclosure standards to avoiding common pitfalls that put client interests at risk.
Direct buyers spend millions marketing to your clients. Learn the core triggers and tracking processes needed to identify life settlement opportunities proactively.
Long-term care is one of the most expensive challenges your clients will face. The national median cost of a private nursing home room now exceeds $100,000 per year. Assisted living and memory care can be just as costly, and most clients arrive at that stage significantly underprepared. When the need becomes urgent, advisors typically look…
Why Life Settlement Estate Planning Belongs in Every Advisor’s Toolkit Life insurance is traditionally viewed as the cornerstone of a stable estate plan, designed to provide a tax-free death benefit to beneficiaries. However, estate planning is not a “set it and forget it” endeavor. As tax laws shift and family dynamics evolve, a policy that…
Life insurance is a powerful and necessary financial planning tool, providing stability and peace of mind by safeguarding families, businesses, and estates. At the time of purchase, the planning objective is clear. However, what is often less clear is what happens as financial priorities shift and policies that once served a vital purpose quietly become…
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