Life Insurance Case Studies & Real Payouts

Client Male: Age 74

Policy: $525,000 Lincoln Life Universal Life Insurance Policy

Problem: The client was in relatively good health but could no longer afford the premiums. He had been using the remaining cash value to keep the policy in force and was preparing to let it lapse, which would have resulted in no payout from the insurance carrier.

Solution: Secured a life settlement offer of $45,000, providing the client with a meaningful return instead of walking away with nothing.

Client Female: Age 59

Policy: $2,000,000 Prudential Convertible Term Life Insurance Policy

Problem: Diagnosed with lung cancer, the client faced the option of converting her term policy, which would have resulted in significantly higher premiums. She decided against this, needing funds to afford quality healthcare and to spend meaningful time with her family.

Solution: Secured a life settlement offer of $1,390,000, providing her with the financial resources to prioritize her health and family during a critical time.

Clients Male-Female: Ages 88/87

Policy: $2,000,000 Pacific Life Survivorship Policy

Problem: The clients no longer needed the coverage and could not afford to continue paying premiums. They were planning to surrender the policy for a minimal cash amount.

Solution: Secured a life settlement offer of $240,000 — three times more than the policy’s surrender value, turning an overlooked asset into significant financial value.

Client Male: Age 75

Policy: $2,000,000 Voya Universal Life Insurance Policy

Problem: The client had previously attempted to sell his policy through two other settlement brokers but was unsuccessful. With premiums due soon, he needed a solution fast.

Solution: Secured a life settlement offer of $238,543, allowing the client to complete the transaction before making another premium payment.

Client Male: Age 68

Policy: $1,500,000 Term Life Insurance Policy

Problem: Facing health issues, the client could not afford to convert his term policy. Without another option, the policy was at risk of lapsing with no value.

Solution: On his agent’s recommendation, he applied for a life settlement and secured an offer of $500,000, turning a policy he was about to lose into a major financial win.

Client Male Age 86

Policy: $3,500,000 Universal Life Insurance Policy with a $380,000 Cash Surrender Value

Problem: The policyholder was preparing to surrender the policy for $380,000, unaware that a better option might exist.

Solution: At the recommendation of their agent, they explored a life settlement. Secured a $1,000,000 offer — more than double the surrender value, unlocking significantly greater value from the policy.

Client Male: Age 73

Policy: $10,000,000 Term Life Insurance Policy nearing the end of its 10-year level premium period

Problem: The client had been declined by major buyers and was facing the expiration of his term coverage with no value.

Solution: Secured a $550,000 net life settlement offer. The client accepted and reinvested the proceeds with his advisor — while both the advisor and BGA earned post-sale commissions from the policy conversion.

Client Male: Age 74

Policy: $525,000 Lincoln Universal Life Insurance Policy

Problem: The client could no longer afford the premiums and had been using the remaining cash value to keep the policy active. He was prepared to let it lapse with no payout.

Solution: Secured a $45,000 life settlement offer, providing the client with a financial return instead of walking away with nothing.

Client Female: Age 87

Policy: $2,000,000 Universal Life Insurance Policy with a cash surrender value of $87,271

Problem: The client could no longer afford the premiums. Based on a 14-year-old illustration, she had expected to cash out the policy for $375,000 to supplement her retirement income. Her husband had predeceased her, so she no longer needed the coverage, and her expenses had increased over the years.

Solution: Secured a $350,000 life settlement offer, which was nearly her original expectation and $262,729 more than the cash surrender value.

Cookie Settings

We use cookies to improve user experience. Choose what cookie categories you allow us to use. You can read more about our Cookie Policy by clicking on Cookie Policy below.

Essential (required)

These cookies enable strictly necessary cookies for security, language support and verification of identity. These cookies can’t be disabled.

Functionality

These cookies collect data to remember choices users make to improve and give a better user experience. Disabling can cause some parts of the site to not work properly.

Performance & Analytics

These cookies help us to understand how visitors interact with our website, help us measure and analyze traffic to improve our service.

Targeting & Advertising

These cookies help us to better deliver marketing content and customized ads.

View Cookie Policy

What If Your Policy Could Pay You Now?

What If Your Policy Could Pay You Now?

Real Client Outcomes

Client Male: Age 74

Client Female: Age 59

Clients Male-Female: Ages 88/87

Client Male: Age 75

Client Male: Age 68

Client Male Age 86

Client Male: Age 73

Client Male: Age 74

Client Female: Age 87

Cookie Settings