The problem isn’t life insurance. The problem is how it’s often handled.
At Life Insurance Nerds, we help advisors cut through complexity, uncover hidden risks, and give their clients clarity. Our work focuses on three core areas where things often go wrong — and where the right expertise makes all the difference. Most policies don’t fail because of bad intentions. They fail because no one’s watching.
That’s where we come in.
Guaranteed Life Insurance
Most permanent policies were built on assumptions that may not hold. Left unchecked, small issues compound into shortfalls that threaten the plan. We step in early to assess risks and protect the guarantees clients expect.
Review funding and crediting assumptions
Model future performance under multiple scenarios
Identify hidden risks before they trigger policy failure
Recommend adjustments to stabilize long-term guarantees
Life Settlements
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.
Determine eligibility and timing for settlement
Access multiple institutional buyers
Negotiate the highest possible client value
Manage the transaction from start to finish
Trusted Support for Advisors
You don’t need to master life insurance; we’ve built our business around it. We function as an independent resource, bringing technical expertise and strategic guidance to help protect your clients and strengthen your planning work.
Conduct detailed policy audits and reviews
Deliver independent second opinions
Design and structure new coverage when needed
Manage underwriting, negotiations, and carrier coordination