Why Evergreen: Your Institutional Advantage

Evergreen Settlements represents policy owners — not buyers. We provide independent evaluation, transparent guidance, and access to a competitive buyer network designed to help you achieve optimal outcomes.

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Brendan Flatow
Jonah Kahn
James Camper

Our role is simple: represent policy owners with the same care and diligence we would expect for our own families.

The Expertise to Level the Playing Field

In the life settlement market, institutional buyers don’t negotiate alone. They come armed with teams of analysts, decades of proprietary data, and pricing strategies designed to protect their investors’ returns.

At Evergreen Settlements, we exist to change that dynamic.

We believe advisors and their clients deserve the same depth of expertise, insight, and negotiating power as the institutions on the other side of the table. Evergreen Settlements didn’t just join this market; we helped build it. As pioneers in the longevity market, our team has facilitated more than $12 billion in transactions. We provide the counterweight to institutional buyers, ensuring your client’s voice is the loudest one in the room.

$12B+

Transactions Facilitated

140+

Years Combined Experience

Why Evergreen?

Our Edge: A Buy-Side Perspective

What truly sets Evergreen apart is where we came from.

With more than 140 years of combined market experience—much of it spent on the buy side—our team understands how institutional buyers think, price risk, and apply pressure throughout the process. We know the internal logic, the friction points, and the levers that move outcomes.

That perspective allows us to strategically manage the life settlement process from start to finish, anticipate obstacles before they surface, and negotiate from a position of deep technical strength on behalf of advisors and their clients.

Market Intelligence

We understand how buyers evaluate policies, where pricing assumptions can be challenged, and how to structure every case to attract the strongest possible offers from the market.

Process discipline

A structured, institutional-grade approach to every case from initial evaluation through closing, designed to maximize competitive tension and drive the best possible outcome.

Principal led service

The people you meet on day one are the people closing your deal. Senior attention, start to finish, because your client’s outcome deserves nothing less.

Principles

The Four Pillars of the Evergreen Approach

We don’t just facilitate transactions; we provide a framework for success.

Independence

We represent one side: yours. After more than a decade on the buy-side of the life settlement industry, we recognized that independence was essential to offering you broader capital access and truly unbiased advice. Our only incentive is maximizing your client’s outcome.

Transparency

Full visibility into every offer and every step. No black boxes, no surprises. At Evergreen, we believe you and your client deserve a clear view of the market from start to finish to make truly informed decisions.

Fiduciary Standard

Every recommendation filtered through one question: what’s best for your client? At Evergreen, our success is measured by your client’s outcome, ensuring a true partnership rooted in a shared goal to deliver the best possible options.

Partnership

We don’t just work for your clients—we work alongside you. As a trusted authority, Evergreen acts as a seamless extension of your team, providing the specialized expertise needed to enhance your client relationships. Whether we are supporting you behind the scenes or working directly with your client at your side, we manage the complexity of the market, so you can focus on delivering superior outcomes.

Not sure which path is right?

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

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The Evergreen Way

What People Ask Us

Understanding your options is essential. Here’s how working with an independent representative compares to engaging directly with a buyer.

Evergreen

We represent you — the policy owner — and are compensated only when a transaction closes on terms you accept. Your interests guide every decision.

Direct Buyer

Buyers aim to acquire policies at favorable terms for their portfolios. Their interests, while legitimate, may differ from yours.

Evergreen

We submit your policy to multiple qualified institutional buyers, facilitating competitive bidding designed to surface optimal offers.

Direct Buyer

A single buyer provides one offer based on their internal pricing models. There may be no external benchmark for comparison.

Evergreen

We explain market dynamics, policy valuation factors, and what to expect at each stage. You receive objective analysis, not sales pressure.

Direct Buyer

Guidance may focus primarily on completing the transaction. Independent evaluation of alternatives is typically not provided.

Evergreen

Your information is shared only with vetted, compliant buyers under strict confidentiality agreements. We control the process.

Direct Buyer

Confidentiality practices vary. You may have less visibility into how your information is used or shared.

Evergreen Settlements

Who We Serve

From individual policy owners to institutional advisors, we provide tailored support and consistent professionalism.

Financial Advisors

We partner with advisors to expand service offerings and provide clients with comprehensive policy options. Our education resources and responsive support help you serve clients confidently.

Fiduciaries & Trustees

Trustees and fiduciaries rely on our objective analysis and transparent process. We provide the documentation and clarity needed to fulfill fiduciary obligations responsibly.

Institutions

Banks, estate planners, and institutional advisors benefit from our established protocols, compliance focus, and ability to handle complex policy portfolios efficiently.

Policy Owners

Individuals exploring options for unwanted or unneeded life insurance receive the same attentive service. We explain choices clearly and advocate for your interests throughout.

FAQ

What People Ask Us

A policy’s market value is driven primarily by two factors: how much it costs to maintain and how buyers assess life expectancy. Health changes, policy structure, premium efficiency, and original underwriting all play a role. Knowing how to position these variables — and how to present them to the market — is what separates a good outcome from a great one.

Life settlement proceeds are generally divided into three tax categories:

  • Tax-free: Up to the total premiums paid (cost basis)
  • Ordinary income: Gains above basis up to the policy’s cash surrender value
  • Capital gains: Amounts exceeding the cash surrender value (typically long-term)

Tax treatment varies based on individual circumstances. Policy owners should consult a qualified tax advisor. – Reference: IRS Revenue Ruling 2020-05

Yes. Life settlements are regulated at the state level, with licensing, disclosure, and consumer protection requirements. Evergreen operates in compliance with applicable regulations and works only with licensed providers and counterparties.

Tax treatment varies based on individual circumstances. Policy owners should consult a qualified tax advisor. – Reference: IRS Revenue Ruling 2020-05

Yes. Personal, policy, and medical information is handled with strict confidentiality and shared only with vetted buyers under secure protocols. Protecting privacy throughout the life settlement process is a top priority.

A life settlement broker acts as a fiduciary advocate for the policy owner. This includes aligning priorities, maintaining transparency, managing the market process, and negotiating with buyers to maximize value. Expertise matters — particularly when navigating a sophisticated buyer landscape.

Yes — and it’s more common than most people realize. While term policies serve an important purpose, needs often change over time, and nearly all term policies never pay a death benefit. In some cases, clients can sell a portion of the policy, converting part of the coverage into immediate value while retaining the remainder as protection. A life settlement can uncover value that might otherwise be lost when a policy is surrendered or allowed to lapse.

Yes. While a decline in health often increases a policy’s market value, the life settlement market has expanded significantly. Certain buyers actively seek policies held by healthy insureds with specific profiles. Policy type, face amount, and premium efficiency can all make a policy attractive regardless of health status. A formal evaluation costs nothing and may reveal value where none was expected.

No. The process is far less invasive than many expect. Buyers rely on existing medical records rather than a physical exam to assess life expectancy. Evergreen coordinates the collection of those records as part of the standard process, keeping it straightforward for both advisors and their clients. The first step is simply sharing basic policy information to determine whether a case is worth pursuing.