Introduction Life insurance is often seen as a safety net—a way to provide for loved ones, cover estate taxes, or manage liquidity at critical times. But what happens when a policy itself becomes the financial burden? This was the exact dilemma a 90-year-old client faced. With two $10 million policies, one had spiraled into an […]
Introduction: The Question Every Advisor Faces What if you could tell your client this: “You can stop paying $200,000 a year in premiums on a $5 million life insurance policy — and still keep $4 million of the coverage.” For most advisors, that feels almost too good to be true. Yet it’s exactly what happened […]
The life settlement market is quietly delivering enormous value to seniors — but most are still missing out. For advisors, this represents both a challenge and a major opportunity. The Good News In 2024, per the Life Insurance Settlement Association (LISA), the life settlement market paid over $600 million to consumers who sold their life […]
In the life settlement market, it’s easy to get caught up in numbers—cash values, face amounts, offers. But before any of that matters, there’s one question that sets the tone for the entire process: “What is your goal for your policy?” Whether you’re an advisor guiding a client or a policyholder exploring your options, this […]
When financial advisors and insurance professionals first learn about life settlements, one of the most common questions they ask is: “What percentage does a life insurance policy usually sell for?” It’s a reasonable question. Clients want numbers, advisors want benchmarks, and the idea of having a predictable “percentage” makes explaining the concept easier. The reality, […]
When people consider a life settlement, they’re often introduced to an unfamiliar but potentially life-changing financial opportunity. But before diving into underwriting, pricing, or offers, there’s one critical question that must come first: What does the client actually want to do with their life insurance policy? This single question has the power to clarify motivations, […]
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 […]