The main parties involved in the life settlement market are the policyowner, insured, life settlement broker, and the intitutional buyer. A life settlement broker, such as Settlement MastersTM, may be an individual or company that works with a policyowner to negotiate offers on its behalf. The institutional buyer is the company that raises capital to purchase the life insurance policy.

The life settlement industry and the actual selling of life insurance policies has been actively used for 20 years. Over this time, billions of dollars of life insurance has been sold between the institutional marketplace and the sellers of policies. Currently, there are eight states that require an insurance company to notify a client that a life settlement may be an option for them when they are going to surrender or lapse a policy as it may create more value for the policyowner. The life settlement industry is regulated in most states and brokers and providers are required to be licensed in the state the policyowner resides.

Institutional Funds/Trusts are special entities established typically by pension funds, banks, hedge funds and investment companies for the purpose of purchasing life insurance policies as investments. The funds may own hundreds or even thousands of life insurance policies that are held within their portfolios.

1. You may have outgrown your need for the policy 2. You have new goals within your life’s plan 3. Your life insurance policy hasn’t performed as you expected 4. Your estate tax and business continuation plans have changed.

1. Age of the Insured 2. Health of the Insured 3. Type of Insurance Policy 4. Life Insurance Policy Premium 5. Life Insurance Policy Death Benefit 6. Insurance Company Rating

1. Evaluate the market value of the policy 2. Analyze keeping the policy versus selling it 3. Negotiate on your behalf for the highest offer and lowest expenses 4. Upon completion of the sale, provide the owner, insured and advisor with the Settlement MastersTM Client Compliance file

Settlement MastersTM will request certain basic information about the Insured and the policy to generate a preliminary value. If you decide to proceed to a formal appraisal, we will request more detailed information which includes access to the medical records of the insured and various policy illustrations to help you understand how you might be able to keep some or all of the policy death benefit, if you wish.

Our staff has over 50 years of experience, and is knowledgeable on life insurance contracts. We are able to thoroughly review your eligibility based on the qualification factors and determine if your life insurance policy is able to be sold.

Settlement MastersTM specializes in getting multiple Institutional Trusts to bid on the purchase of every policy. When you have multiple parties bidding on the purchase of a policy, the likelihood is that the price will go up and you receive more.

We will review your policy and conduct appraisals at no cost to you. Our process of speaking with a licensed buyer for your policy is also free.

We are compensated from the gross proceeds received from the institutional buyer. All fees and expenses associated with the sale of a policy are disclosed to you before the completion of the sale and are regularly below the industry standard fees.

Institutional Funds/Trusts that specialize in purchasing life settlement policies.

You are not obligated to accept the offer if you are no longer interested.

Sometimes the value is somewhere between 30 and 50 percent of the actual death benefit of the policy. It truly depends on many factors including age, health, size of the policy and premium of the policy.

Reputation, Experience and Trust. We have been retained by trust companies, attorneys and accountants to do life settlements for their clients.

We are able to work with anyone that you choose, including your financial advisor, insurance agent, lawyer, or family member.

The new buyer will be responsible for all future premium payments.

The industry is regulated, and both the provider and the broker, must be specifically licensed in order to conduct the life settlement transaction.

Many companies similar to us do not offer tax advice, but tax obligations will vary depending on your specific situation. We recommend that you consult with your tax advisor or attorney for more information.

Yes, you are able to donate your insurance policy to charities

The preliminary valuation of your policy will take only a few days once we’ve had the chance to speak with the policyowner and insured. If you decide to proceed with our process, we expect that the medical analysis, bidding process and preparation and signing of the settlement documents may take 5 to 8 weeks. We communicate weekly with you so you will always feel well informed.

Institutional Funds/Trusts are special entities established typically by pension funds, banks, hedge funds and investment companies for the purpose of purchasing life insurance policies as investments. The funds may own hundreds or even thousands of life insurance policies that are held within their portfolios.