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    SENIORS FORFEIT $100B+ IN LIFE INSURANCE VALUE EACH YEAR — AUDIT NOW

    For Advisors & Agents Helping Clients Maximize Life Insurance Value

    A structured audit approach that helps identify life settlement opportunities in existing policies, supporting better outcomes for clients and reducing overlooked value.

    Add to Your PracticePolicy Conversation Guide

    SENIORS FORFEIT $100B+ IN LIFE INSURANCE VALUE EACH YEAR — AUDIT NOW

    For Advisors & Agents Helping Clients Maximize Life Insurance Value

    A structured approach that helps identify life settlement opportunities in existing policies, supporting better outcomes for clients and reducing overlooked value.

    Add to Your Practice
    Policy Conversation Guide
    SA Hero Advisors (1).png

    "I will never send my clients to anyone else"

    "I have been doing business with Rob for 22 years. They have helped me close on dozens of cases for my clients and always ensure we get the highest offer. I will never send to anyone else." – Wayne C. | Advisor

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    See More Reviews

    See More Reviews

    Meet the People Behind the Process

    Specializing in maximizing policy payouts and securing top market offers for your clients' policies.

    Rob Haynie – Leader.jpg

    Rob Haynie – Managing Director

    Life Settlements Inc. | Settle Advisor

    Rob’s 34 years in life settlements have made him a key industry voice. Serving on LISA’s board and recipient of the prestigious Alan H. Buerger Leadership Award, he has tirelessly advocated for policyholders nationwide.

    Kathy Casale – Leader.jpg

    Kathy Casale – CEO

    Settle Advisor

    With nearly 35 years in insurance, Kathy has built a reputation for her expertise and compassion in helping others, guiding clients with care, understanding, and dedication.

    Meet the People Behind the Process

    Specializing in maximizing policy payouts and securing top market offers for your clients' policies.

    Rob Haynie – Leader.jpg

    Rob Haynie – Managing Director

    Life Settlements Inc.

    Rob’s 34 years in life settlements have made him a key industry voice. Serving on LISA’s board and recipient of the prestigious Alan H. Buerger Leadership Award, he has tirelessly advocated for policyholders nationwide.

    Kathy Casale – Leader.jpg

    Kathy Casale – CEO

    Settle Advisor

    With nearly 35 years in insurance, Kathy has built a reputation for her expertise and compassion in helping others, guiding clients with care, understanding, and dedication.

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    SA – LIS Images.png

    Why Life Settlements Work for Clients

    Each year, a significant portion of life insurance policies are surrendered or lapsed with little or no realized value. Life settlements can provide an alternative option that may benefit both clients and advisors when appropriately evaluated.

    Client Value & Capital Optimization

    Maximize Client Capital

    Extract Trapped Equity:

    Convert underperforming, high-cost contracts into independent, fair-market liquidity instead of letting them lapse for zero value.

    Fuel New Strategies:

    Immediately redeploy newly unlocked capital into optimized wealth management structures or alternative investment vehicles.

    Firm Liability & Growth

    Protect & Grow Your Practice

    Fiduciary Risk Mitigation:

    Guard your firm against severe liability by establishing an independent valuation audit trail for every policy.

    Uncover Idle Revenue:

    Monetize high-value policy liquidations within your existing book to capture massive, previously un-monetized revenue streams.

    Competitive Edge & Operations

    Scale With Institutional Authority

    True Fiduciary Positioning:

    Shift from a standard transaction broker to a multi-generational wealth partner utilizing advanced policy audits.

    Zero Overhead Burden:

    Leverage our specialized back-end desk to handle 100% of the administration, case design, and actuarial analysis.

    Why Life Settlements Work for Clients

    Each year, a significant portion of life insurance policies are surrendered or lapsed with little or no realized value. Life settlements can provide an alternative option that may benefit both clients and advisors when appropriately evaluated.

    Client Value & Capital Optimization

    Maximize Client Capital

    Extract Trapped Equity:

    Convert underperforming, high-cost contracts into independent, fair-market liquidity instead of letting them lapse for zero value.

    Fuel New Strategies:

    Immediately redeploy newly unlocked capital into optimized wealth management structures or alternative investment vehicles.

    Firm Liability & Growth

    Protect & Grow Your Practice

    Fiduciary Risk Mitigation:

    Guard your firm against severe liability by establishing an independent valuation audit trail for every policy.

    Uncover Idle Revenue:

    Monetize high-value policy liquidations within your existing book to capture massive, previously un-monetized revenue streams.

    Competitive Edge & Operations

    Scale With Institutional Authority

    True Fiduciary Positioning:

    Shift from a standard transaction broker to a multi-generational wealth partner utilizing advanced policy audits.

    Zero Overhead Burden:

    Leverage our specialized back-end desk to handle 100% of the administration, case design, and actuarial analysis.

    Professional End to End Care

    Maximizing policy value and streamlining the settlement process through:

    • Analysis — Expert policy evaluation.

    • Valuation — Maximum market offers.

    • Closing — Start-to-finish transaction care.

    Add to Practice 
    Review Stars.png

    As a senior-focused realtor, I often see clients limited by income or liquidity. Settle Advisor helps open new options, and I’m proud to include them as a trusted partner.

    Dan.png

    Dan Gervais 

    Realtor | Certified Real Estate Planner

    SA Overview 4.png

    Professional End to End Care

    Maximizing policy value and streamlining the settlement process through:

    • Analysis — Expert policy evaluation.

    • Valuation — Maximum market offers.

    • Closing — Start-to-finish transaction care.

    Add to Practice 
    Review Stars.png

    As a senior-focused realtor, I often see clients limited by income or liquidity. Settle Advisor helps open new options, and I’m proud to include them as a trusted partner.

    Dan.png

    Dan Gervais 

    Realtor | Certified Real Estate Planner

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    • Risk-Free Evaluation
    • Full End to End Support
    • Client Value Maximization
    • Compliant Settlement Process
    • Up to 9x Carrier Surrender Value

    The Difference a Policy Evaluation Can Make

    A selection of client cases illustrating the potential difference between a policy's cash surrender value and its potential value in the secondary market.

    Example 1 – Universal Life

    $1,200,000 Face Amount

    Insured & Health Profile:

    DOB March 18, 1947 (Age 79)
    Fair – Type II diabetes, hypertension, mild kidney

    Policy Economics:

    Surrender / Gross Offer: $135,000 / $364,000
    Client Net Proceeds: $325,000
    Advisor Comp: $19,500
    Client Improvement +$190,000 over surrender value
    Example 2 – Guaranteed Universal Life

    $2,500,000 Face Amount

    Insured & Health Profile:

    DOB November 9, 1943 (Age 82)
    Poor – Congestive heart failure, COPD, limited mobility

    Policy Economics:

    Surrender / Gross Offer: $22,000 / $683,200
    Client Net Proceeds: $610,000
    Advisor Comp: $36,600
    Client Improvement +$588,000 over surrender value
    Example 3 – Universal Life

    $750,000 Face Amount

    Insured & Health Profile:

    DOB August 27, 1951 (Age 74)
    Fair – Controlled hypertension, diabetes, stents, active

    Policy Economics:

    Surrender / Gross Offer: $82,000 / $201,600
    Client Net Proceeds: $180,000
    Advisor Comp: $10,800
    Client Improvement +$98,000 over surrender value
    Example 4 – Convertible Term Policy

    $5,000,000 Face Amount

    Insured & Health Profile:

    DOB January 14, 1953 (Age 73)
    Bad – Cancer, coronary disease, prior stent, diabetes

    Policy Economics:

    Surrender / Gross Offer: $0 / $924,000
    Client Net Proceeds: $825,000
    Advisor Comp: $49,500
    Client Improvement +$825,000 over surrender value
    Example 5 – Universal Life

    $3,000,000 Face Amount

    Insured & Health Profile:

    DOB June 2, 1948 (Age 78)
    Poor – Parkinson's with progressive mobility limits

    Policy Economics:

    Surrender / Gross Offer: $265,000 / $1,024,800
    Client Net Proceeds: $915,000
    Advisor Comp: $54,900
    Client Improvement +$650,000 over surrender value
    Example 6 – Guaranteed Universal Life

    $1,500,000 Face Amount

    Insured & Health Profile:

    DOB October 6, 1946 (Age 79)
    Poor – Coronary artery disease, prior bypass surgery, diabetes, declining mobility

    Policy Economics:

    Surrender / Gross Offer: $48,000 / $468,000
    Client Net Proceeds: $418,000
    Advisor Comp: $25,080
    Client Improvement +$370,000 over surrender value

    The Difference a Policy Evaluation Can Make

    A selection of client cases illustrating the potential difference between a policy's cash surrender value and its potential value in the secondary market.

    Example 1 – Universal Life

    $1,200,000 Face Amount

    Insured & Health Profile:

    DOB March 18, 1947 (Age 79)
    Fair – Type II diabetes, hypertension, mild kidney

    Policy Economics:

    Surrender / Gross Offer: $135,000 / $364,000
    Client Net Proceeds: $325,000
    Advisor Comp: $19,500
    Client Improvement +$190,000 over surrender value
    Example 2 – Guaranteed Universal Life

    $2,500,000 Face Amount

    Insured & Health Profile:

    DOB November 9, 1943 (Age 82)
    Poor – Congestive heart failure, COPD, limited mobility

    Policy Economics:

    Surrender / Gross Offer: $22,000 / $683,200
    Client Net Proceeds: $610,000
    Advisor Comp: $36,600
    Client Improvement +$588,000 over surrender value
    Example 3 – Universal Life

    $750,000 Face Amount

    Insured & Health Profile:

    DOB August 27, 1951 (Age 74)
    Fair – Controlled hypertension, diabetes, stents, active

    Policy Economics:

    Surrender / Gross Offer: $82,000 / $201,600
    Client Net Proceeds: $180,000
    Advisor Comp: $10,800
    Client Improvement +$98,000 over surrender value
    Example 4 – Convertible Term Policy

    $5,000,000 Face Amount

    Insured & Health Profile:

    DOB January 14, 1953 (Age 73)
    Bad – Cancer, coronary disease, prior stent, diabetes

    Policy Economics:

    Surrender / Gross Offer: $0 / $924,000
    Client Net Proceeds: $825,000
    Advisor Comp: $49,500
    Client Improvement +$825,000 over surrender value
    Example 5 – Universal Life

    $3,000,000 Face Amount

    Insured & Health Profile:

    DOB June 2, 1948 (Age 78)
    Poor – Parkinson's with progressive mobility limits

    Policy Economics:

    Surrender / Gross Offer: $265,000 / $1,024,800
    Client Net Proceeds: $915,000
    Advisor Comp: $54,900
    Client Improvement +$650,000 over surrender value
    Example 6 – Guaranteed Universal Life

    $1,500,000 Face Amount

    Insured & Health Profile:

    DOB October 6, 1946 (Age 79)
    Poor – Coronary artery disease, prior bypass surgery, diabetes, declining mobility

    Policy Economics:

    Surrender / Gross Offer: $48,000 / $468,000
    Client Net Proceeds: $418,000
    Advisor Comp: $25,080
    Client Improvement +$370,000 over surrender value

    What Professionals Are Saying

    Feedback from professionals applying life settlement strategies with their clients.

    "Communication was clear, responsive, and thoughtful"

    "I had the pleasure of working with Settle Advisor and the experience exceeded every expectation. Under the leadership of Kathy Casale, the firm delivers a rare combination of expertise, integrity, and genuine client-focused service.  I can’t recommend them highly enough."

    Robert Allen

    Harper Financial Associates

    "I have been able to help four of my clients sell their policies"


    “I was unaware of the Life Settlement Market place after 37 years in the industry. Since our first conversation a year ago I have been able to help four of my clients sell their policies and make a truly significant impact on their lives.”

    Daniel H.

    Advisor

    "It's been an absolute pleasure working with them"


    “I have worked with many settlement companies in the past, after closing a deal with them 12 years ago it was clear this was the company to work with. I have since worked with them exclusively and will continue to do so until I retire.”

    Ronald S.

    Advisor

    What Professionals Are Saying

    Real feedback from professionals applying life settlement strategies with their clients.

    "I will NEVER send my clients to anyone else"


    I have been doing business with Peter and Rob for 22 years. They have helped me close on dozens of cases for my clients and always ensure we get the highest offer. I will never send to anyone else, Peter Gaynor is the best at what he does.”

    Wayne C.

    "I have been able to help four of my clients sell their policies"


    “I was unaware of the Life Settlement Market place after 37 years in the industry. Since our first conversation a year ago I have been able to help four of my clients sell their policies and make a truly significant impact on their lives.”

    Daniel H.

    "It's been an absolute pleasure working with them"


    “I have worked with many settlement companies in the past, after closing a deal with Pete 12 years ago it was clear this was the company to work with. I have since worked with LIS exclusively and will continue to do so until I retire.”

    Ronald S.

    See more reviews

    HOW IT WORKS

    Simple Steps to Add Client Value

    A clear process for assessing client life insurance policies to support better outcomes and uncover potential advisor revenue opportunities.

    ▶ Identify a Policy

    Review existing client life insurance policies that may be outdated, underperforming, or no longer aligned with current needs.

    ▶ Introduce the Option

    Present the life settlement concept as a potential alternative where appropriate, based on client situation and policy eligibility.

    ▶ Facilitate the Process

    Leverage our end-to-end support to evaluate policy qualification and guide advisors and their clients through review and submission.

    ▶ Realize Outcomes

    When a settlement occurs, advisors receive compensation while clients gain access to potential policy value they might otherwise miss.

    Repeat Across Your Book

    Incorporate policy reviews into ongoing client conversations to improve outcomes across your existing practice.

    Ensure Your Clients Are Fully Considered

    Professionals use Settle Advisor to review client life insurance policies and identify potential life settlement opportunities. For questions or case guidance, call 1-800-640-3527

    Add to Your Practice 

    Ensure Your Clients Are Fully Considered

    Professionals use Settle Advisor to review client life insurance policies and identify potential life settlement opportunities. For questions or case guidance, call

    1-800-640-3527

    Add to Practice 
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