Tag: Policyholders
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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The Secrets of Life Expectancy Underwriting for Life Settlements with Vincent Granieri (Ep. 8)

The Secrets of Life Expectancy Underwriting for Life Settlements with Vincent Granieri (Ep. 8)

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Life expectancy is a crucial factor in many aspects of life, such as retirement planning, life insurance, and health care.

But it is also a huge component when selling your life insurance policy!

However, estimating how long someone will live is not an easy task, as it depends on various factors, such as medical history, lifestyle, genetics, and environmental conditions.

In this episode, Mark Mrky and Rob Haynie chat with Vincent Granieri, CEO and Managing Member at Predictive Resources, LLC, to explore the potential of life settlements and how estimating your life expectancy plays an important role in the process.

Vince shares the variability in life expectancy predictions among companies and the blend of data-driven and subjective methods used. Additionally, he also explains the concept of a mortality curve and its role in financial planning for retirees.

Vince discusses: 

  • His background in actuarial science and experience in the life insurance industry
  • The different perspectives and approaches to life expectancy underwriting
  • The concept of the mortality curve and its significance in life expectancy underwriting
  • The evolution of underwriting methods
  • The impact of familial DNA and genetic diseases 
  • How medical advancements have impacted life expectancies
  • The importance of comprehensive medical records in accurately assessing life expectancies and the ideal set of records required
  • And more!

Connect with Mark Mrky: 

Connect with Rob Haynie:

Connect with Vince Granieri:

About our Guest: 

Vincent Granieri founded Predictive Resources in 2013 to ensure that the life expectancy provider space remained driven by sound analytics of relevant data. A fully credentialed actuary and Harvard MBA, Vince has over 40 years of experience in life and health insurance, pensions, and related fields, including over 30 years as a C-level executive and 15 years in life settlements. His research on senior mortality has been published and peer-reviewed. He is responsible for scores of innovative improvements to forecasting life expectancy. He is known as a thought leader in life settlements, a pioneer in the application of predictive analytics to actuarial issues, and a direct and candid leader.

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