Case Studies

A 78-year-old retired executive held a $2M universal life policy that was no longer needed for estate planning. Traditional brokers quoted percentage-based fees that would have consumed a significant portion of the settlement. Our flat fee preserved the vast majority of the offer for the client.

• Policy no longer needed for estate planning
• Multiple competitive offers obtained
• Client saved $54,000 compared to a percentage-based broker

After her husband passed, a 74-year-old widow held a guaranteed universal life policy she could no longer afford to maintain. The cash surrender value was only $31,000. Through our process she received a settlement offer nearly 8x the surrender value — and kept far more of it thanks to our flat fee.

• Settlement offer was nearly 8x the cash surrender value
• Flat fee saved the client $33,000 versus a percentage broker
• Funds used to cover long-term care expenses

A 72-year-old business owner converted his expiring term policy to universal life specifically to pursue a life settlement. After conversion and a brief seasoning period, we secured a strong offer. Our flat fee meant he kept over 92% of the gross offer.

• Converted term policy specifically for settlement
• Client retained over 92% of the gross offer
• Process completed within 90 days of conversion

A couple in their early 80s held a $5M survivorship policy originally purchased for estate tax planning. After tax law changes made the policy unnecessary, they explored a settlement. At our capped maximum fee of $60,000, the savings versus a traditional broker were extraordinary.

• Fee capped at $60,000 regardless of offer size
• Saved $170,000 compared to percentage-based broker
• Estate tax law changes made policy unnecessary

A financial advisor referred his 76-year-old client who held a $3M universal life policy with escalating premiums. The client was considering lapsing the policy. Instead, our process yielded a substantial settlement — and the flat fee meant the advisor could demonstrate clear, quantifiable value to his client.

• Referred by financial advisor
• Client was about to lapse the policy for $0
• Advisor demonstrated $106,000 in fee savings to client

A 79-year-old client's irrevocable life insurance trust held a $4M universal life policy that was no longer aligned with estate planning goals. The trustee explored a life settlement and secured a strong offer. Our Tier 4 flat fee of $45,000 saved the trust over $104,000 compared to a percentage-based broker.

• Trust-owned policy settled with trustee coordination
• Saved the trust $104,600 in broker fees
• Proceeds redistributed per updated estate plan

A 77-year-old retiree held a $250K whole life policy with a cash surrender value of just $18,000. Rather than surrender, she explored a life settlement and received an offer of $98,000. With our Tier 1 flat fee of just $6,000, she kept $92,000 — far more than surrendering would have yielded.

• Offer was more than 5x the cash surrender value
• Lowest tier flat fee — just $6,000
• Client saved $13,600 versus a percentage-based broker