Fiduciary Duty in Life Settlements: What Advisors Owe Their Clients
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.
Life Settlements for Advisors
Why Two “Identical” Policies Can Get Meaningfully Different Life Settlement Offers
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.
Broker vs Direct Buyer: Why the Conflict of Interest Matters
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.
