A Strategic Opportunity In An Expanding Life Settlement Market
The life settlement market has evolved into a well-established, regulated financial solution—yet many advisors still underutilize it. As policyholders become more educated and financial pressures intensify for seniors, life settlements are increasingly viewed as a core planning consideration rather than a last-resort option.
For advisors, this represents both a fiduciary responsibility and a meaningful growth opportunity.
Client Awareness Is Rising—And Advisors Are Expected To Keep Pace
Today’s clients are more informed about life settlement companies, surrender alternatives, and secondary market options than ever before. Many are asking direct questions about whether a life settlement could offer more value.
Industry data supports why these conversations matter:
- According to the Life Insurance Settlement Association (LISA), more than 11 million life insurance policies, representing over $750 billion in face value, are surrendered or allowed to lapse each year.
- LISA market data shows licensed life settlement providers paid over $600 million in settlement proceeds in a single year—delivering approximately $511 million more to policyholders than surrender or lapse.
As awareness increases, advisors who fail to address life settlement options risk leaving value undiscovered and missing a critical planning opportunity.
Demographics Are Fueling Demand For Life Settlement Solutions
Several macro trends continue to drive expansion across the life settlement industry:
- A rapidly growing population aged 65 and older
- Longer retirement horizons with increased income pressure
- Rising healthcare and long-term care costs
- A large volume of legacy life insurance policies no longer aligned with current planning goals
Life insurance policies that once served estate or income-replacement purposes often become non-core assets later in life. Life settlements offer advisors a way to reposition those assets without disrupting broader financial or estate strategies.
Advisors Likely Already Have Life Settlement Opportunities
Most advisors already have multiple potential life settlement opportunities within their book of business.
Common indicators include clients who:
- Are considering surrendering or lapsing a policy
- No longer need the original coverage purpose
- Are experiencing premium fatigue
- Own universal life, whole life, or convertible term policies
- Are reallocating assets for retirement income, care planning, or gifting
In many cases, advisors may already be holding an active case where a policy appraisal could provide a valuable service to a client who is considering any of the above.
Top Advisors Integrate Life Settlements Into Planning
Advisors who proactively incorporate life settlement solutions:
- Strengthen fiduciary alignment by presenting all viable options
- Prevent unnecessary loss of asset value
- Differentiate themselves through advanced planning strategies
- Increase client trust, retention, and engagement
- Expand planning conversations without replacing existing products
Life settlements are not about selling insurance—they are about optimizing existing assets in response to changing client realities.
How LifeRoc Capital Supports Advisors And Their Clients
LifeRoc works directly with advisors to identify, evaluate, and execute life settlement transactions efficiently and compliantly.
Top advisors work with LifeRoc because we offer:
- Over $20 billion in life insurance policies settled in our careers
- Access to our large, leading network of funders, well known for generating strong offers
- No third-party broker commissions—100% of the offer goes to the advisor and their clients, allowing control over commission and more value for the client
- Strong deal execution and best-in-class case design
- A streamlined process that allows advisors to stay focused on client relationships
LifeRoc operates as an extension of the advisor’s practice—handling the complexity while supporting strategic planning.
Life Settlement Licensing And Advisor Resources
For advisors expanding into the life settlement space, understanding life settlement licensing and compliance requirements is essential. LifeRoc provides guidance and resources related to:
- Life settlement licensing requirements by state
- Errors & Omissions (E&O) insurance considerations
- Compliance-friendly workflows and documentation
- Best practices for working with life settlement companies
Advisor resources, including life settlement licensing and E&O guidance, are available here:
https://liferoccapital.com/life-settlement-agent-resources/
A Strategic Life Settlement Advantage For Advisors
Life settlements are no longer a reactive solution—they are a proactive planning tool in an aging, cost-constrained retirement landscape.
Advisors who integrate life settlement planning into their practice are better positioned to deliver comprehensive advice, uncover hidden value, and meet rising client expectations.
Chances are, the opportunity already exists in your book of business. LifeRoc is here to help you identify it. Call LifeRoc today to learn more about growing your life settlement business.