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Life Settlements
Life Settlements Done Right- Nerds Auction Process Yields Results
A life settlement is the sale of an existing life insurance policy to a third party for a value mutually agreed upon by the seller and the buyer, providing immediate liquidity. Instead of lapsing or surrendering, clients can unlock the hidden value of their coverage. The proceeds can be used for long-term care, rising healthcare costs, recovering premiums, or simply funding today’s retirement lifestyle.
Sometimes, the smartest move isn’t keeping the policy — it’s monetizing it. We help advisors evaluate the life settlement market, secure competitive offers, and guide clients through a complex process with confidence and transparency.
At Life Insurance Nerds, we are known for managing the entire process through a transparent auction platform. We don’t just represent a single buyer — we bring it to multiple institutional buyers, negotiate on behalf of your client, and secure the highest possible settlement.
The opportunity is significant. More than 20% of insureds age 65 and older own policies with a market value greater than their cash surrender value. Each year, over $200 billion in life insurance benefits are abandoned through lapses and surrenders. And 90% of seniors who lapsed or surrendered their policies said they would have considered selling if they knew it was possible.
Schedule a meeting with Life Insurance Nerds today to explore whether a life settlement makes sense for your client.
Buy-Sell & Key Person Coverage
Protect the business your clients built.
A buy-sell agreement is one of the most important documents a business owner can have. It ensures that when an owner dies, becomes disabled, retires, or decides to exit the business, there is a clear plan for ownership transition. Most of these agreements are funded with life insurance, providing the liquidity needed to protect both the company and the family members involved. But recent legal developments have shown that simply having an agreement in place is not enough.
In 2024, the Supreme Court issued its decision in Connelly v. United States, a case that reshaped how life insurance proceeds are viewed in the context of estate taxes. The Court ruled that life insurance proceeds owned by a corporation increase the fair market value of the business for estate tax purposes, even if those funds are earmarked to redeem a deceased shareholder’s stock. In other words, the very life insurance policies meant to provide relief and liquidity could actually inflate the taxable estate, creating unexpected and costly obligations for families. This decision highlights a significant risk for business owners who rely on redemption-style buy-sell agreements funded with corporate-owned policies.
The implications are clear: business owners could face larger-than-anticipated estate tax bills, leaving insufficient funds to cover both redemption obligations and estate liquidity needs. For families who believed they were protected, this could mean selling assets, liquidating parts of the business, or shouldering unnecessary financial strain. Importantly, the Court noted that alternative structures, such as cross-purchase agreements, may avoid these pitfalls — underscoring the importance of careful planning and periodic reviews.
At Life Insurance Nerds, what we are known for is specializing in the business coverage market. We leverage our carrier partners’ complimentary informal valuation services, conduct in-depth reviews of existing buy-sell agreements, and implement properly structured insurance strategies that align with today’s legal and tax environment. By taking a proactive approach, we help advisors ensure agreements not only function as intended but also protect families and businesses from unintended consequences.
Schedule a meeting with Life Insurance Nerds today to request a buy-sell agreement review or an informal valuation.
Estate Planning with Life Insurance
Help your clients disinherit the IRS.
A buy-sell agreement is one of the most important documents a business owner can have. It ensures that when an owner dies, becomes disabled, retires, or decides to exit the business, there is a clear plan for ownership transition. Most of these agreements are funded with life insurance, providing the liquidity needed to protect both the company and the family members involved. But recent legal developments have shown that simply having an agreement in place is not enough.
In 2024, the Supreme Court issued its decision in Connelly v. United States, a case that reshaped how life insurance proceeds are viewed in the context of estate taxes. The Court ruled that life insurance proceeds owned by a corporation increase the fair market value of the business for estate tax purposes, even if those funds are earmarked to redeem a deceased shareholder’s stock. In other words, the very life insurance policies meant to provide relief and liquidity could actually inflate the taxable estate, creating unexpected and costly obligations for families. This decision highlights a significant risk for business owners who rely on redemption-style buy-sell agreements funded with corporate-owned policies.
The implications are clear: business owners could face larger-than-anticipated estate tax bills, leaving insufficient funds to cover both redemption obligations and estate liquidity needs. For families who believed they were protected, this could mean selling assets, liquidating parts of the business, or shouldering unnecessary financial strain. Importantly, the Court noted that alternative structures, such as cross-purchase agreements, may avoid these pitfalls — underscoring the importance of careful planning and periodic reviews.
At Life Insurance Nerds, what we are known for is specializing in the business coverage market. We leverage our carrier partners’ complimentary informal valuation services, conduct in-depth reviews of existing buy-sell agreements, and implement properly structured insurance strategies that align with today’s legal and tax environment. By taking a proactive approach, we help advisors ensure agreements not only function as intended but also protect families and businesses from unintended consequences.
Schedule a meeting with Life Insurance Nerds today to request a buy-sell agreement review or an informal valuation.
Term Insurance
How Much is Enough?
Term life insurance remains one of the most cost-effective ways to protect the wealth your clients are working to build. For pennies on the dollar, term coverage provides essential income replacement and financial security. What makes today’s term insurance exciting is how much the industry has innovated post-COVID. Policies now include conversion privileges that allow clients to transition to permanent coverage later in life and living benefit riders that let them access the death benefit for long-term care needs. Underwriting has been modernized with accelerated programs and instant issue options that eliminate the need for medical exams for healthy clients. Applications are streamlined, requiring only basic information to get coverage in place.
Not only has the industry innovated, but pricing has never been more competitive. Term insurance is affordable, accessible, and perfectly aligned with financial planning goals.
At Life Insurance Nerds, what we are known for is being the trusted resource and referral network for financial advisors. For those who do not hold an insurance license but still recognize their client’s need for coverage, we step in to work directly with the client while keeping the advisor informed every step of the way. With access to more than 20 A-rated carriers, we know how to navigate underwriting guidelines to secure the most favorable outcomes. Our focus is on protection-first solutions that guarantee coverage while aligning with each client’s broader financial plan.
We also leverage technology to make the process seamless. On our website, lifeinsurancenerds.com, advisors can access tools like our instant quote tool and needs analysis calculator. These tools allow advisors and clients to see real-time pricing without providing personal details, and to calculate how much coverage they truly need.
Call to Action: Schedule a meeting with Life Insurance Nerds today — and try our tools at lifeinsurancenerds.com to see firsthand how easy it is to answer, “How much is enough?”
Policy Analysis & Reviews
Outdated policies are flip phones in a smartphone world.
Term life insurance remains one of the most cost-effective ways to protect the wealth your clients are working to build. For pennies on the dollar, term coverage provides essential income replacement and financial security. What makes today’s term insurance exciting is how much the industry has innovated post-COVID. Policies now include conversion privileges that allow clients to transition to permanent coverage later in life and living benefit riders that let them access the death benefit for long-term care needs. Underwriting has been modernized with accelerated programs and instant issue options that eliminate the need for medical exams for healthy clients. Applications are streamlined, requiring only basic information to get coverage in place.
Not only has the industry innovated, but pricing has never been more competitive. Term insurance is affordable, accessible, and perfectly aligned with financial planning goals.
At Life Insurance Nerds, what we are known for is being the trusted resource and referral network for financial advisors. For those who do not hold an insurance license but still recognize their client’s need for coverage, we step in to work directly with the client while keeping the advisor informed every step of the way. With access to more than 20 A-rated carriers, we know how to navigate underwriting guidelines to secure the most favorable outcomes. Our focus is on protection-first solutions that guarantee coverage while aligning with each client’s broader financial plan.
We also leverage technology to make the process seamless. On our website, lifeinsurancenerds.com, advisors can access tools like our instant quote tool and needs analysis calculator. These tools allow advisors and clients to see real-time pricing without providing personal details, and to calculate how much coverage they truly need.
Call to Action: Schedule a meeting with Life Insurance Nerds today — and try our tools at lifeinsurancenerds.com to see firsthand how easy it is to answer, “How much is enough?”