Life Settlement

The assignability of a life insurance policy is a benefit acquired when you become a policyholder. The secondary market for life insurance allows policyholders to obtain values often higher than cash surrender values. The typical policy values represented by account value, cash surrender value and death benefit ignore the potential market value for a policy in the secondary market which depends on multiple factors.

Find out if you qualify to sell your policy

We help you unlock the life settlement value by analyzing your existing policy and determining your life expectancy.

Unlock the market value of your policy.

Surrender Value

A life insurance policy only shows one liquidity option for you - it's called the cash surrender value.

Surrender or Die

Agents, brokers, advisors, and life insurance companies will often tell you there are only two options - surrender or die.

Life Settlement

Understand market values for a life insurance policy. On average, sale values are roughly 4 times the policy cash surrender value.

What is your policy's market value?

Understand market values for your life insurance policy beyond what is reflected in the Annual Policy Statement - this is called the life settlement value. We help you unlock the life settlement value by analyzing your existing policy and determining your life expectancy.

How It Works


You give us authorization to gather all of your policy information and your medical records.

Due Diligence

The policy data is analyzed in concert with the results of the life expectancy studies on your life.

Market & Sell

We market your policy to a select group of institutions and sell it to the highest bidder who will purchase the policy from you.

Copyright © 2021 TRC Financial. All rights reserved.

TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to

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