What Is A Policy Rescue Analysis?
A policy rescue analysis is a comprehensive report designed to give a policyowner the information needed to compare the benefits of keeping their life insurance to the value the policy would bring in the institutional life settlement market. The report is reviewed with the policyowner, insured, and beneficiaries of the policy with sign-offs obtained from all parties.​
Here’s how a life settlement works
We are here to help you find out if you qualify for a life settlement.
Contact one of our specialists or complete the online form to see if you qualify.
Medical records and policy information will be obtained for underwriting.
If your policy qualifies, you will receive an offer to sell your policy from a licensed life settlement provider.
You receive payment for the sale of your policy.
Making Sure You Are Getting the Most Value
When a policy owner no longer needs, wants, or can afford a life insurance policy, the default option is often to surrender it for its cash value. However, that may not always be the best outcome—especially for trustees acting in a fiduciary role.
A policy review compares all available options before a decision is made. In one case, an $8 million policy with $590,000 in cash value was restructured into $2.2 million of guaranteed paid-up coverage, which the family determined was the most valuable solution.
In another, a business owner was advised to surrender a policy for $29,000, but a Policy Rescue Analysis resulted in $950,000 of value that helped fund the company’s most profitable division.
Benefits of Life Insurance Policy Review
Informal Appraisal
Provides a quick estimate of the policy’s sale value to determine if moving forward makes sense.
Keep vs Sell Analysis
Allows you to model multiple “what-if” scenarios, including benefit changes, premium variations, and reinvestment options.
Negotiate Offers
As offers are received, Life Settlement Partners negotiates both pricing and fees, often reducing fees below industry standards.
Policy sold and proceeds transferred
Life Settlement Partners prepares a compliance file for the policy owner, insured, and advisors for future reference.