Bill’s Story

90 year old male / 85 year old female

Survivorship Universal Life



$ 360,000

Bill, a trust officer, identified a policy to be significantly underfunded and the grantor had not paid a premium since 2005. The projected annual premium to mature the policy was $84,020 and with no further funding the policy was projected to lapse in 6 months. The grantor did not want to contribute any more money to the policy and there was only $10,000 of cash surrender value. To thoroughly evaluate all remediation options, Bill requested a preliminary life settlement evaluation from EnTrust Settlements.

The evaluation showed potential to have significant value above the cash surrender value on the secondary market. Bill disclosed this option with the grantor, who then wanted to proceed with the life settlement option. EnTrust Settlements received an initial offer of $250,000. After establishing a competitive bidding environment, the last buyer standing was able to offer $360,000 net of fees. Bill accepted this offer and the grantor could not thank the bank enough for disclosing this option to his family. The life settlement proceeds are now managed by the trust.


Christa received $182,500 for a policy that had no cash value and was projected to lapse within 6 months

Christa managed a Guaranteed Universal Life policy for her client. Premium payments were suspended several years earlier as her client could no longer afford the payments. The policy was projected to lapse with......

Steve sells a life insurance policy to help fund another, more cost efficient policy.

Steve's mother owned two life insurance policies. She couldn't afford to make the required premium payments on both policies so they were taking out loans on one policy to make premium payments for both policies......

Who qualifies for a life settlement?

Insured(s) age 65 and older
Policy death benefit of $100,000 or more
Policy is more than two years old
May require change in health since policy was issued

Contact us to find out if your policy qualifies

Not all life insurance policies qualify for a life settlement. EnTrust Settlements can determine if your policy is marketable with a Preliminary Life Settlement Evaluation. Contact us today and find out if your policy qualifies at no cost.