Tag: Financial Advisors
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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Analyzing Life Settlements from the Buyer’s and Investor’s Perspective with Jose Garcia (Ep. 9)

Analyzing Life Settlements from the Buyer’s and Investor’s Perspective with Jose Garcia (Ep. 9)

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Life settlements represent a unique facet of the financial world, offering a secondary market for life insurance policies that benefit both policy sellers and institutional investors. 

After selling these policies, some sellers may be concerned about their use. 

This week, we want to address these concerns!

In this episode, Mark Mrky and Rob Haynie sit down with Jose Garcia, Chief Executive Officer at Carlisle Management Company S.C.A., to explore the perspective of a buyer and investor of life settlements. They dive into the mechanics behind selling life insurance policies, the role of institutional investors, and the future of the life settlement industry.

Jose discusses: 

  • The institutional framework of the life settlement industry and the role of providers and brokers
  • The process of raising capital for purchasing life insurance policies and the types of investors involved
  • The tracking and administration of sold policies, ensuring compliance and a smooth experience for both sellers and investors
  • The uncorrelated nature of life settlements as an investment asset and its appeal to sophisticated investors
  • The potential for growth in the life settlement industry and innovations such as securitizations and public offerings
  • The possibility of policies being resold to other institutional investors and the seamless process it entails for the original seller
  • And more!

Connect with Mark Mrky: 

Connect with Rob Haynie:

Connect with Jose Garcia:

About Our Guest: 

Having established a fifteen-year track record of success across several sectors of capital markets, including but not limited to emerging markets, structure finance, longevity markets, fund management, and investment structuring, Jose Garcia has most recently put his experience to work in structure finance and bringing investment solutions to investors looking to take advantage of alternative investments. Based in Luxembourg and recognizing that many of the financial market standards and traditional investment sectors are outdated, Jose is launching new investment vehicles utilizing alternative investments as underlying assets in accordance with the global trend for diversification from traditional financial markets. 

Jose has served as Carlisle Financial Group’s Chairman and CEO since 2002, when the company was founded. During his tenure, Jose supervised the acquisition and implementation of a number of companies within financial markets. Carlisle’s two biggest investments were in emerging markets and longevity markets.

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Advisors, Here’s What You Need To Know About The Life Insurance Settlement Association (LISA) with Bryan Nicholson (Ep. 4)

Advisors, Here’s What You Need To Know About The Life Insurance Settlement Association (LISA) with Bryan Nicholson (Ep. 4)

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There’s a lot of information about the life settlement industry, making it tough for individuals and financial advisors to make the most out of it.

Luckily, you are about to explore the strategies you need to use life settlements to your advantage.

In this episode, Mark Mrky and Rob Haynie chat with Bryan Nicholson, the executive director of the Life Insurance Settlement Association (LISA). Bryan explains how the association approaches and promotes life settlements as valuable assets for advisors and consumers.

Listen in as Mark, Rob, and Bryan share the challenges of involving different entities in the life settlement space and the ongoing issue of the Enhanced Cash Surrender Value offer program in the insurance industry.

They discuss: 

  • Bryan’s role as the executive director of the Life Insurance Settlement Association (LISA) and his mission to promote life settlements as a tool for financial planning
  • LISA’s primary audience and the progress they’ve made in cultivating the association as a safe space for exchanging ideas and growing the life settlement field
  • The hesitancy for different entities, especially RIAs, to get involved in this arena
  • How LISA can be a handy option for individuals, including broker-dealers and RIAs
  • Reasons why many broker-dealers and wealth management firms do not allow their advisors to offer life settlements to clients
  • And more!

Connect with Mark Mrky: 

Connect with Rob Haynie:

Connect with Bryan Nicholson:

About our Guest: 

Bryan Nicholson serves as the Executive Director of the Life Insurance Settlement Association (LISA) and the Executive Director of BAHP: The Center for Baby and Adult Hygiene Products. He specializes in Board of Directors management; communications; conference and event planning, promotion, and execution; executive leadership search; membership development and engagement; strategic planning; operations, program, and project management; and website development. 

Bryan has an M.A. in International Affairs from the Milano School of International Affairs, Management, and Urban Policy at the New School for Public Engagement in Manhattan and a B.A. in Political Science from the University of Pittsburgh. He is also an active member of the American Society of Association Executives (ASAE).

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Exploring the Benefits of Life Settlements with Mark Mrky and Rob Haynie (Ep. 1)

Exploring the Benefits of Life Settlements with Mark Mrky and Rob Haynie (Ep. 1)

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Are you struggling to keep up with payments on your life insurance policy? 

Discover how you can secure a good payout and enjoy a comfortable retirement by selling your policy by streaming the inaugural conversation of Unlocking the Hidden Value of Your Life Insurance!

This week, Mark Mrky and Rob Haynie from Life Insurance Settlements, Inc chat about the life settlement industry and how it benefits clients, advisors, and the overall field.

They explain how the industry works, why people sell their life insurance and the shocking number of seniors surrendering their policies every year. Additionally, they stress the importance of getting an appraisal and highlight who the ideal clients and buyers are.

Mark and Rob discuss: 

  • How they stumbled into the life settlement industry and how they found it to be a win-win solution for clients, financial advisors, and the arena as a whole
  • The ins and outs of the life settlement industry
  • Reasons people would sell their life insurance
  • How many seniors surrender their life insurance policies back to the carrier or let them lapse
  • The importance of getting your life insurance appraised 
  • Who is buying life insurance policies 
  • Why financial advisors and other professionals need to know about life insurance settlements 
  • And more!

Connect with Mark Mrky: 

Connect with Rob Haynie:

About Mark Mrky:

Mark Mrky is a managing member of Life Insurance Settlements, Inc, the nation’s most experienced life settlement brokerage. Their sole focus is on representing our clients to obtain the highest market price possible for the sale of the client’s life insurance policy in the secondary marketplace.

Mark began his career with LIS in 2001 and has consistently remained in the top 1% of sales in the nation. His specialty is working with and educating senior clients, estate planners, insurance advisors, attorneys, and other financial professionals about the benefits of the Life Settlement industry.

He has presented to groups such as NAIFA, Top of the Table, InsMark, Society for Financial Service Professionals, National Association of Philanthropic Planners, local estate planning councils, various Broker-Dealers, Insurance Carriers, and professional groups on the subject of Life Settlements.

Mark has a B.A. in Psychology from the University of Nebraska and is a member of the Life Insurance Settlement Association. 

About Rob Haynie:

With over 30 years of experience, Rob Haynie is the Managing Director of Life Insurance Settlements, Inc. and serves on the board of the Life Insurance Settlement Association.

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