California Licensed Life Settlement Broker

Your Life Insurance Policy
May Be Worth Far More
Than You Think.

A life settlement lets you sell a policy you no longer need for a lump sum — often 4 to 8 times the cash surrender value. It's legal, regulated, and costs you nothing. Allan Silverman has helped over 500 families do exactly that over the past 20 years.

See What Your Policy Is Worth
Call Allan: (714) 271-2223 Text Allan: (714) 271-2223
50+
Years in Insurance
20+
Years in Life Settlements
$500M+
in Settlements Secured for Clients
500+
Families Helped
The Hidden Asset

What Is a Life Settlement?

A life settlement is the sale of an existing life insurance policy to a licensed buyer for a lump-sum cash payment — significantly more than the cash surrender value your insurance company would offer.

Life settlements are regulated by state insurance departments and have helped thousands of seniors access money they didn't know they had. It's legal, it's confidential, and it costs you nothing out of pocket.

  • You receive a lump sum — typically 4x to 8x the surrender value
  • The buyer assumes all future premium payments
  • You're free to use the money however you choose
  • The process is confidential and takes 30–90 days on average
See If Your Policy Qualifies

What Happens to a $500,000 Policy

Surrender Settlement
Cash received
$12,000 $95,000
Future premiums
Your problem Buyer pays
Timeline
2–4 weeks 30–90 days
Your cost
$0 $0

"I will not make age an issue of this campaign. I am not going to exploit, for political purposes, my opponent's youth and inexperience."

— Ronald Reagan, 1984

Allan Silverman is 75 years old. He's been in this business for five decades. In an industry racing to replace people with algorithms and call centers, Allan treats his experience as his greatest weapon. Here's what that means for you.

The Difference

The Call Center vs. Allan

When you call a big settlement company, here's what you're really getting — and what you're not.

The Big Companies
✗ You get routed to the next available representative
✗ Your rep reads from a script
✗ They know what their system tells them
✗ You're a case number
✗ They process transactions
✗ They've been trained for weeks
Allan Silverman
✓ Allan answers his own phone
✓ Allan's been negotiating settlements since before most reps were born
✓ Allan knows every buyer by name — and knew their fathers who started these companies
✓ You're a client Allan will fight for personally
✓ Allan negotiates. There's a difference.
✓ Allan's been doing this for decades
Learn More About Why Allan Is Different →
Simple Process

How It Works

From first call to cash in hand — here's exactly what to expect when you work with Allan.

01

Call Allan

Pick up the phone or fill out the form. Allan will personally review your situation — no intake team, no handoffs. Allan answers.

02

Allan Reviews Your Policy

With 50 years of market knowledge, Allan can quickly assess your policy's potential. He'll give you an honest, plain-English assessment — no jargon, no pressure.

03

Allan Shops Every Buyer

Not just the big names. Allan has relationships with buyers most brokers don't even know exist. He calls them directly and makes them compete for your policy.

04

You Get Paid

The highest offer wins. You accept, sign, and receive your lump-sum payment. Average timeline: 30–90 days from start to finish.

Real Results

How Allan Has Helped Families Like Yours

These are real outcomes from real clients. The numbers speak for themselves.

Guy & Judy
Retired couple — no longer needed coverage
Policy Face Value $5,000,000
Cash Surrender Value $180,000
Settlement Amount $1,500,000
Increase Over Surrender 8.3× more

Guy and Judy used the settlement to cover rising medical expenses and secure their grandchildren's education — real outcomes that a lapsing policy could never have provided.

Gordon
Single policyholder — rising premiums
Policy Face Value $500,000
Cash Surrender Value $18,000
Settlement Amount $90,000
Increase Over Surrender 5× more

The settlement gave Gordon the financial flexibility to stop worrying about mounting premiums and focus on what mattered most — time with his family.

* Client names changed for privacy.

Allan Silverman
50+
Years in Insurance
Your Advisor

Meet Allan Silverman

Allan Silverman has spent over 50 years in the insurance industry and more than 20 years specializing in life settlements. He is not a call center — he is a person who answers his own phone, explains things in plain English, and fights personally to get you the best possible outcome.

Over two decades, Allan has helped hundreds of families recover money from policies they were about to surrender or let lapse. His advantage isn't a better algorithm or a bigger database — it's relationships. He knows every buyer in the market personally. In many cases, he knew their fathers who started these companies.

When he's not working, Allan enjoys golf, skiing, and spending time with his wife Barbara. Married 55 years and counting.

Read Allan's Full Story →
Do You Qualify?

Who Should Talk to Allan?

You don't need to be sick. You don't need to be wealthy. You just need a policy you no longer want or need.

Age 65+ (or younger with health changes)

Most qualified sellers are between 65 and 85. A change in health since the policy was issued can qualify younger policyholders too.

Policy Worth $100,000+

Universal life, whole life, and convertible term policies with a face value of $100,000 or more are most likely to qualify.

No Longer Need or Can't Afford Premiums

If rising premiums are straining retirement savings, a life settlement turns that burden into a windfall.

Term Policy Approaching Expiration

A term policy nearing the end of its conversion window may still have significant market value — before that window closes.

Want to Fund Retirement, Medical, or Family Needs

Whether it's long-term care costs, a grandchild's education, or simply financial peace of mind — a settlement puts that money to work now.

Allan didn't just get us more money than we expected — he made us feel like we were the only clients he had. He explained everything, answered every question, and never made us feel rushed. We couldn't have done this without him.
— Margaret T., California  |  $2.1M policy settled for $680,000
Common Questions

Frequently Asked Questions

A life settlement is the sale of an existing life insurance policy to a third-party buyer for a lump-sum cash payment greater than the cash surrender value but less than the death benefit. It's a legal, regulated transaction available in most states.

Generally, you should be 65 or older with a life insurance policy that has a face value of $100,000 or more. Universal life, whole life, and convertible term policies are all eligible. A change in health since the policy was issued can increase the value significantly — and may qualify younger policyholders.

Settlement amounts vary based on age, health, policy type, and face value. On average, life settlements pay 4 to 8 times the cash surrender value. Allan will give you a realistic estimate during your free consultation — no guessing, no inflated promises.

No. There is no upfront cost to you. Allan's compensation comes from the transaction itself — you never pay out of pocket for the consultation, policy review, or settlement process. If your policy doesn't sell, you owe nothing.

Absolutely. Life settlements are legal and regulated by state insurance departments across the country. The industry follows strict disclosure and consumer protection requirements. Allan is a licensed broker operating within all applicable regulations.

View All FAQs →

Ready to Find Out What Your Policy Is Worth?

It takes two minutes and there's zero obligation. Allan will personally review your information and give you an honest assessment — even if the answer is "it's not the right time."

Prefer to call? Allan picks up.
(714) 271-2223
Can't talk right now? Text works too.
Text Allan: (714) 271-2223

Your information is 100% confidential and will never be shared. There is no cost and no obligation for a policy review.

Free Policy Review

Fill out the form and Allan will personally get back to you within 24 hours.

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