True wealth is what you build, protect, and pass on.
My Legacy specializes in life settlements — the purchase of existing life insurance policies. We acquire policies at fair market value — working exclusively through licensed brokers — and manage them as long-term assets with discipline and full transparency.
We partner with our clients through clarity, strategy, and unwavering integrity — because a legacy isn't accumulated. It's built.
The Basics
"A life settlement is the sale of an existing life insurance policy to a third party — for more than its cash surrender value, but less than its death benefit."
An institutional-grade asset class historically favored by pension funds and endowments — built on policies that would otherwise lapse or be surrendered for a fraction of their worth.
We're selective about the individual policies we acquire, and we're proud to work exclusively through licensed brokers. Every case is underwritten on its merits — carrier strength, premium structure, and actuarial fundamentals.
If you represent a policy you believe may qualify, we'd welcome the chance to talk.
A life insurance policy is an asset — and like any asset, it has a market value.
What Is a Life Settlement?
The sale of a policy that's no longer needed
A life settlement is the sale of an existing life insurance policy to a licensed third-party buyer. The seller receives a lump-sum cash payment — typically more than the policy's cash surrender value and less than its death benefit. The buyer takes over premium payments and receives the death benefit when the policy matures.
Life settlements exist because circumstances change. A policy bought twenty years ago to protect a mortgage or young children may no longer serve its original purpose — but it still holds real value.
Every year, billions of dollars in life insurance benefits are forfeited when policies lapse or are surrendered. Life settlements keep that value in play — for families and for investors.
The Landscape
Three ways a policy can end
Lapse
Recovered: Nothing
Premium payments stop and the policy terminates. Years of premiums are simply gone, and beneficiaries receive nothing.
Surrender
Recovered: Cash Surrender Value
The policy is returned to the insurance company for its cash surrender value — often a small fraction of what it's actually worth on the open market.
Life Settlement
Recovered: Market Value
The policy is sold to a third party at its true market value — frequently several times the surrender value. Value that would otherwise be lost is preserved.
The Asset
What makes a policy valuable?
Every policy is evaluated individually, but the strongest life settlement assets generally share a few characteristics:
Insured is age 65 or older (younger with certain health changes)
Policy face value of $100,000 or more
Universal life, whole life, convertible term, or survivorship policies
Strong, highly rated insurance carriers
Sustainable premium structures relative to face value
Common Questions
Life settlement FAQ
Yes. Life settlements are a legal, regulated transaction. The right to sell a life insurance policy was established by the U.S. Supreme Court in 1911 (Grigsby v. Russell), and today most states regulate life settlement transactions to protect consumers.
Circumstances change. Premiums become burdensome, the original need for coverage passes, or funds are needed for retirement and healthcare. A life settlement lets the owner capture real value instead of lapsing or surrendering for pennies on the dollar.
Life settlements offer returns driven by actuarial fundamentals rather than market performance. That makes them largely uncorrelated with stocks, bonds, and economic cycles — genuine diversification historically favored by institutional investors.
The buyer becomes the new owner and beneficiary, takes over all future premium payments, and receives the death benefit when the policy matures. The original owner walks away with their payment and no further obligations.
Reach out with the policy details — type, face value, carrier, and premium structure. We'll review it against our purchase criteria and give you a straight answer, privately and with no obligation.
My Legacy purchases existing life insurance policies and manages them as long-term assets. We acquire policies at fair market value — working exclusively through licensed brokers — and maintain them for the long term with discipline and care.
It's a straightforward business, done with uncommon care: rigorous underwriting on every acquisition, active stewardship of every policy, and honest communication with everyone we work with.
Why It Matters
Value that would otherwise be lost
Every year, billions of dollars in life insurance benefits are forfeited — policies lapse when premiums become unaffordable, or get surrendered back to insurance companies for a fraction of their worth. Most policyholders never know a better option exists.
Life settlements fix that broken outcome. Policyholders receive fair market value for an asset they earned over decades of premium payments, and the brokers who represent them gain a principled, reliable buyer for the cases they place.
When it's done with integrity, everyone is better off. That's the standard we hold ourselves to on every transaction.
What Guides Us
Our values
Trusted
We do what's right. Always.
Stewardly
We protect, grow, and preserve.
Strategic
We plan today for tomorrow's legacy.
Legacy-Driven
We build with purpose and vision.
Your Legacy. Our Purpose.
We'd be honored to be part of what you're building.
We work exclusively through licensed brokers — and we'd welcome the chance to talk.
Broker Inquiries
Selective by design.
We're selective about the individual policies we acquire, and we're proud to work exclusively through licensed brokers. If you represent a policy you believe may qualify, we'd welcome the chance to talk.
