Avoiding STOLI Red Flags When Marketing a High-Net-Worth Policy High face-amount life insurance policies can be attractive in the secondary market, but they also receive heightened scrutiny for potential STOLI concerns. STOLI (stranger-originated life insurance) generally refers to arrangements...
Life Settlement Options for Trust-Owned Life Insurance (TOLI) Portfolios Trust-owned life insurance (TOLI) is commonly used in estate planning to keep life insurance proceeds outside a taxable estate, provide liquidity for heirs, or support long-term wealth transfer goals. Over...
Selling a Variable Universal Life Policy: Disclosures Investors Require Variable Universal Life (VUL) policies can be sold in the secondary market through a life settlement, but they come with added complexity compared to traditional universal life or whole life....
Life Settlement Suitability Checklists for Financial Advisors in 2025 When a client asks, “Should I sell my life insurance policy?”, the right answer is rarely a simple yes or no. A life settlement can be a valuable planning tool...
Estate-Planning Strategies After a Survivorship Policy Life Settlement A survivorship (second-to-die) life insurance policy is designed to pay a death benefit after both insureds have passed away. These policies are often used for estate planning, wealth transfer, business continuity,...
When to Order Multiple Life-Expectancy Reports Before Accepting an Offer In the life settlement and viatical settlement market, a life-expectancy (LE) report is one of the most important inputs used to price a policy. Buyers estimate how long premiums...
Evaluating Viatical vs. Traditional Life Settlements for Chronic Illness Cases For people living with a serious health condition, a life insurance policy can sometimes become a financial resource—not just a future benefit. In certain situations, a policyholder may be...
Integrating Ease With QuickBooks Payroll for Seamless Deduction Sync: What It Is and Why It Matters When employee benefit deductions don’t match what’s in payroll, it creates a chain reaction: incorrect paychecks, frustrated employees, extra admin time, and messy...
Boosting Vision Benefit Utilization With Tele-Optometry Services: What It Means and Why It Matters Vision benefits are one of the most appreciated workplace perks—yet many employees don’t use them. The reasons are usually practical: limited appointment availability, long wait...
Never ever ever ever let your life insurance policy lapse without speaking to a professional. There may be hidden value, and in some cases, a third party may be willing to pay you significantly for your unwanted policy.