Genesis

Life Insurance Settlements

Get the best possible price when you sell your life insurance policy

Most life settlement companies purchase the policy themselves and try to offer as little as possible. Genesis is different. We function as a broker and get providers to offer competitive bids for your policy. This means that you’ll make much more than going to a provider directly. 

Find out how much your life insurance policy is worth

  • The Genesis Process

A Genesis Specialist will ask you a few simple questions. Then we will solicit bids from our network of purchasers and deliver an amazing offer.

  • Why Settle?

You will always make more by selling a policy than by letting it lapse or surrendering it. Get a free quote to find out how much more. 

  • Professionals

Genesis works with the financial professionals serving our clients. Have your accountant, trustee, or estate planner call us to find out more. 

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Successful Settlements

A policy owner with two policies insuring a 74 year old male was no longer able to maintain the premium payments on the policies. The general agent suggested only Genesis be used to try and procure an offer as the life expectancy seemed to indicate there was not a significant amount of arbitrage. Genesis through its exceptional relationships presented the owner with $975,000 for the two policies. 

A survivorship UL policy owned by a trust was going to be surrendered by the trust to the carrier for approximately $35,000. The general agent on the policy who was copied on the surrender correspondence, became aware of the surrender and contacted the trustee and insured. The insured and trustee were quite content accepting the surrender amount of $35,000 and were not very interested in exploring the life settlement option. After additional conversations and the detailed explanation as to the potential benefits of a life settlement, the insured and trustee agreed to have the policy evaluated by Genesis. Genesis procured an offer of $425,000 for the policy owner. This was more than 1200% greater than the surrender amount! Both the insured and the trustee were elated with such a stellar outcome.