Most seniors who own life insurance policies have no idea their policy is worth far more than the surrender value their insurer would offer them. A life settlement changes that — but only if you know it exists.
The Hidden Asset Most Seniors Don't Know About
Your life insurance policy is a financial asset. Like any asset, it has a market value that can be realized while you're still alive. The life settlement market exists precisely because institutional buyers are willing to pay significantly more than cash surrender value for policies that no longer serve their original purpose.
According to the Life Insurance Settlement Association, approximately 500,000 seniors lapse or surrender their policies each year — and 90% of them wish they had known about the settlement option before doing so.
When Does a Life Settlement Make the Most Sense?
A life settlement is most compelling when one or more of the following is true:
- Your premiums have become unaffordable on a fixed income
- The original reason you bought the policy no longer applies
- You have significant medical expenses or long-term care costs
- The policy's death benefit is no longer needed by your beneficiaries
- You're considering surrendering the policy or letting it lapse
The Fiduciary Issue
Many financial advisors and insurance agents don't mention life settlements — not because they don't exist, but because they don't earn a commission on them. This is a real gap in the advice most seniors receive. If your advisor has never discussed this option with you, it doesn't mean you don't qualify. It may just mean they weren't looking for it.
Allan Silverman built his practice specifically around filling this gap. He represents policyholders — not buyers — which means his only job is to get you the best possible outcome.
Getting Started Is Free
There's no cost to find out what your policy might be worth. A 15-minute call with Allan can give you a preliminary sense of value — and if a settlement makes sense for your situation, he'll guide you through every step of the process.
Call (714) 271-2223 or click below to see if you qualify.
Ready to find out what your policy is worth?
Allan Silverman has helped over 500 families sell their life insurance policies for far more than they expected. Get a free, no-obligation estimate today.
(714) 271-2223See If You Qualify →