• Life Settlement vs Viatical
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    Case Examples:

    What If Your Life Insurance Could Pay You Now?

    Every year, Americans leave behind billions in life insurance value—without even knowing it. See how others unlocked hidden value from their policies. Clear, compliant, and client-first at every step.

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    Life Settlements in Action

    How We've Helped Others Cash Out Their Policies

    Explore real-life payouts that prove your life insurance might be worth far more than you’ve been told.

    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.
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