True Value of Life insurance settlements
Expand your advisory practice and empower your clients with knowledge
Mr Life Settlements
What is a life insurance settlement?
A life settlement is the sale of an existing life insurance policy by the policyowner to a third-party buyer for a lump sum that is greater than the cash surrender value but less than the death benefit.
After the sale, the buyer becomes the new policy owner and beneficiary, assuming responsibility for all future premium payments.
As a financial advisor, your fiduciary duty includes helping clients understand every option available to them — even those their insurance carrier may not mention. Many clients hold policies they no longer need, can’t afford, or have simply forgotten they own.
Life settlements present a regulated, credible alternative that can unlock substantial value for your clients while enhancing your advisory services.
Partnering with a qualified life settlement broker can help you identify opportunities, secure competitive bids, and ensure your clients make informed decisions that serve their best interests.
Mr Life Settlements
Life Insurance is an asset worth evaluating for your clients
Recognize opportunities where a life settlement may benefit your clients. A client may benefit from a life settlement if they face these challenges
Premium Burden
Clients struggling to maintain premium payments or facing rising policy costs.
Liquidity Needs
Clients require immediate cash to meet current financial goals or unexpected expenses.
Estate Planning
Clients are restructuring their estate or financial plans and no longer need certain policies.
Health Changes
A decline in health or shortened life expectancy creates new financial priorities.
Meaningful Financial Opportunities
Unlock Hidden Value for Clients
Many clients hold life insurance policies they no longer need, struggle to maintain, or may not realize still hold significant value. Life settlements offer a regulated and strategic alternative to surrendering or letting a policy lapse, potentially delivering substantially higher payouts than traditional cash surrender options. By evaluating every available option and securing competitive market offers, advisors can help clients unlock hidden financial value, improve liquidity, and align their insurance assets with evolving financial goals — all while strengthening trust and enhancing the advisory relationship.
6.5x
Higher Cash Surrender Values
$3.4 Billion
In total Face Value Purchased
$222,807
The avg. American Earned from a life settlement in 2024
Mr Life Settlements
Due Diligence Process
A comprehensive evaluation is always used to maximize client value and ensure suitability, including
Policy Performance Analysis
Review of current policy details, premiums, and potential future costs.
Life Expectancy Assessment
Independent medical and actuarial review to establish accurate projections.
Market Valuation Comparison
Obtain bids from multiple qualified buyers to determine true fair market value.
Alternative Option Analysis
Evaluate all available options, including surrender, lapse, or policy retention.
Tax Implication
Review
Identify potential tax considerations and outcomes.
Client Suitability Determination
Confirm the life settlement aligns with the client’s financial goals and best interests.
Meet mr. life settlements
Rob Haynie
I’m Rob Haynie, Managing Director at Life Insurance Settlements, Inc. and Board Chair Member of the Life Insurance Settlement Association (LISA). For over 30 years, I’ve worked in the secondary market as a life settlement broker, helping policyholders and financial advisors uncover the true value of their life insurance policies.
As a recognized leader in the industry- recipient of the LISA AHB Leadership Award and host of the 2025 Life Settlement Conference - my mission is to educate, advocate, and destigmatize life insurance settlements. Through transparency, professionalism, and education, I strive to help more people understand that a life insurance policy is an asset — one that deserves to be treated like any other part of a sound financial plan.
Advisors choose to collaborate with me because I bring together industry expertise, trusted buyer relationships, and a seamless process that protects both you and your clients. With years of experience in the life settlement marketplace, I provide access to multiple institutional buyers to ensure every case receives competitive offers and true market value. I personally manage the entire process from start to finish — maintaining transparency, regulatory compliance, and open communication at every step.
In addition, I offer marketing resources, educational tools, and ongoing support to help you confidently educate your clients about their options. My goal is to make life settlements simple, compliant, and profitable for your practice — while keeping your clients’ best interests at the heart of every transaction.
Mr Life Settlements
Why Collaborate with a Life Settlement Broker
We make it simple for advisors to educate clients, unlock value, and strengthen trust.
A life settlement aligns with acting in your client’s best interest: Present every available option, including a regulated, proven alternative to lapsing or surrendering.
Unlock hidden value: Life settlements can deliver 4–7x more than the cash surrender value.
Let brokers handle the heavy lifting: We gather multiple bids to secure the highest possible cash offer for your client.
Strengthen client relationships: Help clients convert unused policies into income for retirement, healthcare, or legacy goals.
Stay compliant: Demonstrate fiduciary diligence and avoid overlooking an important financial planning opportunity.
Retain assets under management: Clients often reinvest their settlement proceeds back into their portfolios.
Expand your services — no extra licensing required: Partnering with a broker adds value without additional training or overhead.
Build lasting trust: Collaborate transparently with a client-first process rooted in education and integrity.
LIFE SETTLEMENT
CASE STUDY EXAMPLE
Client Profile:
Name: John M., 74
Policy Type: Universal Life
Face Value: $1,000,000
Annual Premium: $28,000
Cash Surrender Value: $25,000
Accepted Offer: $25,000
Situation:
John purchased his life insurance policy years ago to protect his wife and children. Today, his children are financially independent, and his wife has passed away. The premiums had become burdensome, and his advisor recommended surrendering the policy or letting it lapse.
Solution:
Instead of walking away, his advisor suggested exploring a life settlement. After an underwriting review, several institutional buyers made offers. John ultimately accepted an offer of $150,000 six times more than the policy’s surrender value.
Outcome:
John used the funds to supplement his retirement income and create a travel fund for his grandchildren. He was relieved to eliminate future premium payments and grateful to have uncovered hidden value in an asset he thought was “spent.”
FAQ's
Frequently Asked Questions
Q: What is a life settlement?
A life settlement is the sale of an existing life insurance policy to a third-party buyer in exchange for a lump-sum payment. The payment is typically higher than the policy’s cash surrender value but less than the death benefit. After the sale, the buyer becomes responsible for future premium payments and becomes the policy beneficiary.
Q: Who may benefit from a life settlement?
A life settlement may be beneficial for individuals who no longer need their coverage, find premiums too expensive, have changing financial goals, or need access to immediate cash for retirement, healthcare, or other expenses.
Q: How is the value of a life settlement determined?
The process includes evaluating policy performance, life expectancy assessments, market comparisons from multiple buyers, and reviewing alternative options to ensure the policyholder receives fair market value based on their unique situation.
Q: Are life settlements regulated and safe?
Yes. Life settlements are regulated financial transactions. Licensed brokers follow compliance guidelines and conduct due diligence to ensure the transaction aligns with the client’s financial interests and applicable regulations.
All content provided on this website is for educational and informational purposes only and should not be construed as financial, tax, or legal advice. Advisors and policyholders are encouraged to consult with their own licensed professionals before making any financial decisions.
Life Insurance Settlements, Inc. is a licensed life settlement brokerage. Life settlements are regulated transactions and may not be available in all states. Individual results and offers may vary based on policy details, market conditions, and applicable state laws.
© 2026 Mr Life Settlements - All Rights Reserved.
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