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LifeInsuranceAdvisor.co

Tier 1 cluster

Life Settlements

When a policy's secondary-market value exceeds its cash surrender value, surrendering destroys money.

Written by: Advisor Name Pending

Next step

Screen a policy for settlement value

Reviewed by a licensed advisor in your state.

Continue

Eligibility, valuation drivers, licensed providers and brokers, taxation, and the fiduciary case for testing the market before surrender.

Decision pathway

  1. 01

    Sell

    Life settlement when market value beats surrender.

  2. 02

    Surrender

    Take cash value and accept the tax consequence.

  3. 03

    Repurpose

    Redirect the asset to a new planning objective.

Published in this cluster

Tools for this decision

Life Settlement Eligibility Screener

Test whether a policy is likely to attract secondary-market interest before considering surrender or lapse.

Related entities

Common questions

Sources

Citations are supplied per-entity by the content engine. This template renders statutory, regulatory, academic and carrier sources in a numbered, dated reference list.

Author

AN
Advisor Name Pending

Lead Advisor & Editorial Reviewer

CLU (pending verification)
ChFC (pending verification)
NPN:
PENDING_VERIFICATION
Licensed:
Non-producing editorial role
Verified:
2026-01-01 (2026-01-01T00:00:00Z)
Editorial policyLicensing & disclosures