1. A 68-year-old male with a $1,500,000 term life policy was facing health issues and could not afford to convert the coverage. Rather than letting the policy lapse, his agent recommended applying for a life settlement. This proved to be a smart move, securing the client a $500,000 offer.

2. An 86-year-old policyholder with a $3,500,000 universal life policy and $380,000 in cash surrender value was planning to surrender the policy. Fortunately, their agent advised exploring a life settlement instead. We were able to secure a $1,000,000 offer—more than double the surrender value.

3. A 73-year-old male with a $10,000,000 term life policy nearing the end of its 10-year level premium period had been declined by major buyers. We presented the case to our exclusive funding partners and obtained a $550,000 net offer. The client accepted and reinvested the proceeds with his advisor. Both the advisor and BGA benefited from post-sale commissions on the policy conversion.

4. A 71-year-old in good health no longer needed their $300,000 term policy and found us through LinkedIn before lapsing. We secured an $18,000 settlement, turning an expiring asset into real value.

5. A 73-year-old female with a $1,200,000 Midland National universal life policy had been paying premiums totaling 4% of the death benefit for nine years. With a 13-year life expectancy, she was declined by all other buyers. Through our exclusive fund, we secured a $200,000 offer.

6. A 68-year-old male with a $5,000,000 John Hancock term policy had the option to convert it with a premium of $121,711 over nine years. All major buyers passed on the case, but we obtained a $345,000 offer through our exclusive fund.

7. A 74-year-old man with a $525,000 Lincoln universal life policy could no longer afford the premiums and had used the remaining cash value to keep it active. Prepared to let it lapse with no payout, he turned to us and received a $45,000 settlement offer.

8. A 59-year-old woman with a $2,000,000 convertible Prudential term policy was battling lung cancer. She decided against converting the policy due to the high premiums and wanted to focus on quality healthcare and spending time with family. We helped her secure a $1,390,000 settlement.

9. An elderly couple—a 88-year-old male and 87-year-old female—owned a $2,000,000 Pacific Life survivorship policy they no longer needed. They planned to surrender it for a small payout but instead received $240,000 through a life settlement, triple the surrender value.

10.A 75-year-old male with a $2,000,000 Voya universal life policy had previously been unsuccessful with two other brokers. After finding us online, we secured an acceptable offer of $238,543 before he had to pay any additional premiums.