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You’re thinking of selling your life insurance policy, but can you sell a policy with an irrevocable beneficiary? In many cases, yes. However, an irrevocable beneficiary has legal rights that can affect whether a life settlement or viatical settlement can move forward. Unlike a revocable beneficiary, an irrevocable beneficiary generally must agree before significant changes …See More
When a life insurance policy is held inside an Irrevocable Life Insurance Trust, most families assume their options are limited to one of two paths: keep paying the premiums or surrender the policy back to the insurance company for whatever the carrier is willing to offer. Neither option tends to sit well with trustees or …See More
Registered Investment Advisors (RIAs) operate under a strict, non-negotiable federal fiduciary standard mandated by the Investment Advisers Act of 1940. This legal framework requires advisors to place their clients’ financial interests above all else, ensuring complete transparency, minimizing transactional conflicts, and seeking the highest possible net yield for a client’s assets. When a senior or …See More
The latest 2025 life settlement market data released by the Life Insurance Settlement Association (LISA) highlights a reality many policyowners still do not realize: surrendering a life insurance policy may not provide the highest available value. According to the newly released report, the average life settlement payout in 2025 was $212,066, compared to an average …See More
Estate planners. Tax attorneys. CPAs. This one is for you. You are in a unique position. You see the whole financial picture – the estate, the trust, the tax exposure, the family dynamics , and you make recommendations accordingly. Life insurance is often part of that picture, and rightfully so. A well-structured permanent life insurance …See More
These 2026 viatical settlement examples show how real policyholders have turned life insurance policies into immediate cash, often receiving far more than the surrender value or letting a policy lapse. Each case highlights how age, health, policy type, and face value can impact the amount a policy may be worth in the secondary market. How …See More
For decades, individuals looking to sell their life insurance policies through a viatical or life settlement faced a system built around intermediaries rather than through direct to consumer viatical settlements. Brokers, providers, and institutional buyers all played a role, but at a cost. By the time a transaction closed, policyholders often received only a fraction …See More
Typically, the first thing our callers want to know is if their health qualifies them for a viatical settlement. The simple answer to our most common question ‘How sick do I have to be for a viatical settlement?’ is that you must have a life expectancy of less than 2 years. But that simply has …See More
Receiving a notice that your life insurance policy is about to lapse can be stressful, especially if the premiums have become difficult to afford. At that point many people begin searching for answers, including the question: can you sell a life insurance policy that is about to lapse? In many cases, the answer may be …See More
When a policyowner no longer needs coverage or wants to stop paying premiums, a common question arises: can you sell a joint life insurance policy for cash? In some situations, the answer may be yes. Certain joint policies, often called survivor or second-to-die life insurance policies, may qualify for a life settlement, allowing the policyowner …See More
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