Two policies, that seem the same, can receive very different life settlement offers, and some of the reasons are built into the policies themselves. Here is how carrier pricing, original issue ratings, life expectancy interpretation, and buyer risk assessment all contribute to the spread.
When a policy owner goes directly to a buyer without a life settlement broker, they are negotiating against a counterparty with every financial incentive to minimize the offer. The gap between a direct bid and true market value can reach into the millions of dollars.
As the baby boomer generation steps into retirement, a treasure trove of business-owned life insurance policies is making its way to the life settlement market. This shift isn’t just a trend—it’s a golden opportunity for estate planners and financial advisors to unlock substantial hidden value for clients and revolutionize their approach to life insurance as…
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