Life Settlements
Unlock the market value of a life insurance policy.
An eligible policy may be worth more than its cash surrender value. LifeStar provides confidential evaluation and competitive institutional market representation.
The Opportunity
A policy is a financial asset.
Policy owners often consider surrendering coverage because premiums have increased, estate needs have changed, beneficiaries no longer require the coverage, or the policy no longer serves its original purpose.
Before surrendering or lapsing a policy, a professional secondary-market review can determine whether a qualified buyer may offer greater value.
Common candidates
Generally age 65 or older
Policies with meaningful death benefits
Coverage no longer needed or affordable
Changed estate, business, or family objectives
Term policies approaching conversion deadlines
Policies underperforming original expectations
Representation
Competitive tension matters.
We prepare the case, coordinate underwriting, approach qualified market participants, compare bids, and help the client and advisors evaluate the economics and tradeoffs.
Policy Evaluation
Review ownership, policy type, premiums, benefits, conversion rights, and available alternatives.
Market Preparation
Assemble insurance, medical, and financial documentation for institutional underwriting.
Bid Management
Create a structured process for investor outreach, offer comparison, negotiation, and closing.
Important Considerations
An informed decision requires context.
Financial Tradeoffs
A sale transfers the death benefit to the buyer. The seller receives cash and generally no longer pays future premiums.
Tax & Legal Review
Tax treatment, creditor issues, public benefits, privacy, ownership, and estate consequences should be reviewed with qualified advisors.
Alternatives
Options may include retaining the policy, reducing benefits, adjusting funding, exchanging coverage, borrowing, surrendering, or selling.
No Obligation
Reviewing potential value does not obligate a policy owner to accept an offer or complete a transaction.