The US population is turning 65 at the rate of 10,000 per day and expected to continue through 2036 and clients find themselves facing lifestyle changes and financial planning adjustments that will impact their quality of life for many years to come.


One of these important financial decisions centers around the probable modification of their life insurance portfolio. It may well be that the significant amount of coverage they have owned either personally or in trust for years may need to be reduced, restructured or possibly eliminated for a myriad of reasons.

Have your clients life insurance needs have changed?

Perhaps they no longer need their full amount of coverage but would still like to maintain some lesser amount of insurance. That’s where a “Retained Death Benefit” life settlement comes into play. The client keeps a portion of their life insurance benefits, premium obligations are eliminated, and the client has the option to receive up front cash!


•Buyer Becomes the Sole Owner of the Policy
•Buyer Assumes 100% of the Premiums
•Buyer/Seller may also pursue a hybrid offer (part upfront Cash and part Retained Death Benefit)
​​•Buyer will Designate the Insured’s Beneficiary as an Irrevocable Beneficiary with the Carrier for a Specified Amount of Death Benefit


• Min Age: 70+
• Face Amounts: $100,000+
• Policy Types: Convertible Term, UL, SUL, WL, IUL, VUL
• Policy Issue: 24+ months ago
• Insured’s Health: Minor, Moderate, or Major Health Conditions


• Face Amount: $2,500,000.00
• Insured’s Age: 85
• Surrender Value: $0
• Annual Premium: $115,000.00
• Cash Payout: $210,000.00
• Retained Death Benefit: $1,300.000.00 to Maturity

Do you have a client that could benefit from a hybrid or partial policy life settlement?

LifeRoc is here to help advisors and their clients successfully navigate the life settlement market and process.

Call our team today at (888)662-0180 to leverage our experience and gain access to our large network of global