Tag: Cash Surrender Value
Exploring Life Settlements as a Strategic Exit for Policyholders with Elan Moas (Ep. 10)

Exploring Life Settlements as a Strategic Exit for Policyholders with Elan Moas (Ep. 10)

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Life settlements are transforming the financial landscape for retirees, offering a strategic option to unlock hidden value from life insurance policies that might otherwise lapse. 

Yet, many policyholders remain unaware of this powerful alternative—or hesitant about taking the leap. If you’re looking for ways to turn an underperforming policy into a valuable asset, this insight could change everything.

In this episode, hosts Mark Mrky and Rob Haynie chat with Elan Moas — former subprime mortgage underwriter, financial advisor, and author of “Laps: The Universal Life Insurance Whistleblower” — to reveal why universal life (UL) policies often fall short and how life settlements provide a lucrative exit. 

If your clients or loved ones hold life insurance policies that aren’t living up to their promises, life settlements may be the untapped resource they’ve been waiting for.

Key Highlights:

  • Hidden Costs in UL Policies: Understand why UL policies often have escalating costs, leaving seniors struggling with unaffordable premiums
  • Common Policy Pitfalls: Discover how overly optimistic projections in UL policies lead to policy underperformance
  • The Benefits of Life Settlements: Learn how life settlements offer up to six times the cash surrender value, creating a valuable exit strategy
  • Comparing Whole Life vs. UL Policies: Explore the reliability of whole life policies, which provide guaranteed premiums, death benefits, and dependable cash value
  • Tips for Policyholders: Essential advice for those over 70 on reviewing, adjusting, or selling policies, including how to request enforced illustrations to avoid premium spikes
  • And much more!

Connect with Mark Mrky: 

Connect with Rob Haynie:

Connect with Elan Moas:

About Our Guest: 

With a deep background in financial advisory and underwriting, Elan Moas has become an advocate for policyholders’ rights and transparency within the life insurance industry. His work sheds light on the realities of UL policies and the critical need for policyholders to understand their options, especially as they age.

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Life Settlements vs. The Life Insurance Industry – Part 2 with Alan H. Buerger (Ep. 7)

Life Settlements vs. The Life Insurance Industry – Part 2 with Alan H. Buerger (Ep. 7)

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Many people buy life insurance policies without fully understanding their options, benefits, and risks.

Life settlements are an alternative option that can help policy owners unlock the hidden value of their life insurance policies and use them for their own needs.

However, life settlements are not widely known or understood by the public, and they face many challenges from the insurance industry that wants to keep them in the dark. 

In this episode, Mark Mrky and Rob Haynie continue the conversation with Alan H. Buerger, Co-Founder and Chairman at Coventry. This time, they explain the multiple reasons people don’t know about life settlements, the need for education about this option, and the resistance from insurance carriers. 

Together, they discuss: 

  • Why aren’t people taking advantage of the life settlement option
  • The challenges faced by the life settlement industry
  • The approach of large insurance carriers when it comes to employees who refer to life settlements
  • The importance of regulation in the life settlement industry
  • The industry’s fight against carriers engaging in enhanced cash surrender value practices
  • The value provided by life settlements in terms of choice, retirement income, long-term care costs, and financial support for future generations
  • And more!

Resources:

Connect with Mark Mrky: 

Connect with Rob Haynie:

Connect with Alan Buerger:

About our Guest: 

Alan H. Buerger is the chairman and co-founder of Coventry. Recognized as a visionary and one of the most influential people in the life settlement industry, he has been one of its chief innovators. He is an expert on the convergence of life insurance and capital markets and is known as the voice of the life settlement industry. 

Under Alan’s leadership, Coventry has created a secondary market for life insurance and transformed the life insurance industry by allowing consumers to sell their insurance policies in a free market environment. He has worked continuously to expand the power, value, and flexibility of life insurance. Coventry’s efforts have enabled policy owners to receive more than $4.5 billion for their unwanted policies. 

Alan is the former chairman and a former board member of the Life Insurance Settlement Association (LISA), which is the life settlement industry’s self-governing body. He is a frequent keynote speaker on a range of subjects, including emerging trends in life insurance, longevity-linked assets, and balancing regulation and opportunity in growing industries.

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