Discover the True Value of Life insurance with Life settlements
Expand your advisory practice and empower your clients with knowledge
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.
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.
Unlock Hidden Value for Clients
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
Market Valuation Comparison
Alternative Option
Analysis
Tax Implication
Review
Policy Performance Analysis
Review of current policy details, premiums, and potential future costs.
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.
Why Collaborate with a Life Settlement Broker
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
Understanding your policy’s value does not obligate you to sell. Understand your policy and have choices.
Frequently Asked Questions
