What Is a Life Settlement? A life settlement is the legal sale of an existing life insurance policy by the policyholder to a third-party buyer, known as a life settlement provider or funder. In exchange, the policyholder receives a lump sum cash payment that exceeds the policy’s surrender value — but is less than the […]
Introduction: Imagine your client has a life insurance policy they no longer need, want, or can afford. Maybe it’s a term policy nearing the end of its level premium period. Maybe it’s a universal life policy with skyrocketing premiums. Most advisors recommend surrendering the policy or letting it lapse. But there’s a better option — […]
Unlocking the Value of Life Insurance—Even Without a Medical Condition Most people think life settlements are only for those with serious health conditions. But that’s no longer the full picture. At SFS Life Settlements, we recently helped a healthy 69-year-old client unlock $400,000 in cash from a life insurance policy she no longer needed—without going […]
For years, life settlements have been associated almost exclusively with seniors who have experienced significant health declines. Most people—even those in the financial services or insurance sectors—believe that selling a life insurance policy is only an option for clients facing serious health concerns or terminal illnesses. But the life settlement market is evolving. There is […]
For many seniors, a life insurance policy is among their most valuable assets. Yet, as financial needs evolve in retirement, these same policies can become burdens—especially when premiums are no longer affordable, or the coverage is no longer necessary. That’s where life settlements come in. And at SFS Life Settlements, we specialize in guiding financial […]
The life settlement industry has matured dramatically over the past few decades. What was once a largely unknown financial tool has now become a viable and often lucrative option for policyowners looking to monetize their unwanted or unneeded life insurance policies. However, as life settlements have become more mainstream, many policyowners, financial professionals, and even […]
In the world of personal finance and insurance planning, opportunities often go unnoticed simply because people aren’t aware of them. One of the most overlooked tools for seniors and their advisors is the life settlement—a financial strategy that can unlock hidden value from a life insurance policy that is no longer wanted, needed, or affordable. […]
When most people think about life settlements, they envision seniors in their late 60s, 70s, or even 80s selling life insurance policies they no longer need. Traditionally, that’s been the target market: individuals aged 65 and older with life insurance policies of $100,000 or more. However, exciting changes are opening the door to a new […]
When life insurance becomes a financial burden instead of a safety net, many seniors and their advisors begin exploring life settlements as a solution. But what if the policyholder doesn’t need a big payout today—but would still like to preserve some benefits for their loved ones while eliminating costly premiums? Enter the Retained Death Benefit […]
1. Be the Hero to Your Clients Many seniors don’t know they have options when it comes to their life insurance policies. They may feel that they are stuck paying expensive premiums for a policy they no longer need or that doesn’t fit their current life situation. This lack of awareness creates a unique opportunity […]