Most people are told what their policy is worth by the one party with a reason to understate it.
The surrender value an insurer quotes is rarely the real number. On the secondary market, a life insurance policy can be worth many times its cash surrender value — and most owners, and most advisors, never find out. After three decades and tens of thousands of policies, I know how to find the real number, and what moves it.
What a specific policy is actually worth today, on the open market — not just what the carrier will pay to take it back. For many owners, that difference is life-changing.
Portfolio pricing, due diligence, and valuation support for funds, investors, and platforms operating in the secondary market — grounded in real underwriting, not optimism.
A disciplined methodology built on a 25-year actuarial database and dozens of underwriting factors, not a back-of-the-envelope estimate. The assumptions are where value is won or lost.
The red flags, the right questions, and a clear framework for the four real options every policy owner has: keep, surrender, lapse, or sell. Most people are never told there are four.
A policy you’re about to lapse or surrender may be the most valuable asset you don’t know you own. The one mistake you can’t undo is letting it go for far less than it’s worth.
A confidential, no-obligation appraisal is the first step — for advisors, families, and institutions alike.
Visit PolicyAppraisal.com