When a client experiences a meaningful change in health, there are understandably a lot of conversations that follow. Financial plans may need to be revisited. Retirement income needs can change. Long-term care becomes a more immediate consideration. Families begin thinking differently about liquidity, expenses and what the next several years may look like. Life insurance […]
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For an advisor, identifying that a client may be a candidate for a life settlement is only the beginning. The real work starts once the policy enters the market. At SFS Life Settlements, our role is much more than submitting paperwork and waiting for an offer. We manage a process designed to understand what the […]
There are plenty of legitimate reasons a client may decide they no longer want or need a life insurance policy. Their financial situation may have changed. The original purpose for the coverage may no longer exist. Premiums may have become difficult to justify. An estate plan may have evolved. Or the client may simply decide […]
When most people think about the value of a life insurance policy, they naturally look to the number provided by the insurance carrier. If the policy has accumulated cash value, there is an asset to consider. If the cash surrender value is small, the policy may appear to have limited value. And if the cash […]
When a client receives an offer for their life insurance policy, it’s natural to assume that number represents what the policy is worth. But an offer and market value are two very different things. An offer tells you what one buyer is willing to pay for a policy at a particular moment. It doesn’t tell […]
Financial advisors and insurance professionals spend years getting to know their clients. You understand why a life insurance policy was originally purchased, how it fits into a broader financial plan and what the client hoped the coverage would accomplish. But a lot can change over the life of a policy. A policy purchased 10, 15 […]
For most financial professionals, life settlements aren’t something they deal with every day. A client may have an opportunity once every few years, and when that happens, questions can come quickly. Does the policy qualify? How does the market work? Who are the buyers? What regulations apply? And ultimately, what might the policy actually be […]
Every financial advisor eventually encounters a client whose life circumstances have changed dramatically. A retirement plan that once made perfect sense may no longer fit. An estate plan may need to be revised after the loss of a spouse. A business owner who once needed significant life insurance protection may have sold the company years […]
For years, many policyholders viewed life insurance policies in relatively simple terms. You either kept the policy in force, surrendered it back to the insurance company, or allowed it to lapse altogether. Those were considered the primary options. But new 2025 market data is continuing to reshape that conversation in a meaningful way. According to […]
There’s a quiet pattern playing out every day across the financial services landscape—one that rarely gets the attention it deserves. A client reviews their life insurance policy and decides it no longer fits. The original purpose has changed. The premiums feel unnecessary. Priorities have shifted. So they make what appears to be a logical decision. […]