get a secondary opinion®

The Secondary Market has changed the way we think about life insurance, planning, and maximizing back-end liquidity. The Secondary Market Valuation SMV® simply cannot be overlooked for a family, individual or business entity. The mission of our team is to provide much needed value and support to advisors and their clients at a time when cash flow concerns may be overwhelming or their needs have changed.

Although the criteria for qualification are specific, there are a variety of solutions that are available to solve complex problems. The health of the insured is the first thing examined when determining if a policy could qualify. It’s favorable if the original policy was issued standard or preferred, and the insured has had a change of health since its original issue. Currently the most viable cases have an insured with a median life expectancy of 15 years or less.

Ideal qualifying policies will have low cash value without any loans taken on them, feature low premiums and mature at age 100 or beyond. The most ideal policies, including Term, have a face value of $100K to $5M.
There is aggressive competition for jumbo policies with a face value of $5M to $50M fueled by the entry of pension funds and reinsurers investing in the market. Additionally, policies valued between $25K - $1M may be eligible for Long Term Care Settlements as a means to fund care.

A Secondary Market Solution may be a suitable choice for a variety of reasons, including:

Reducing or eliminating future premiums
Creating more financial security and comfort during retirement
Business changes – no longer need key-man or buy/sell insurance
Funding long-term care
Creating short-term liquidity
Generating liquidity by selling policies to fund projects

get a secondary opinion® of the potential value of your client’s policy at