Business Details
18 Years
experience
Maximize Your Life Insurance Policy Value
At Settlement Masters, we specialize in helping clients maximize the value of their unwanted life insurance policies through transparent, ethical life settlement transactions. With over 80 years of combined experience in the life insurance industry, our team provides comprehensive Policy Rescue Analyses to evaluate whether keeping or selling a policy aligns best with the client's financial goals. We work directly with institutional buyers to secure competitive bids, ensuring clients receive the highest possible value while maintaining full compliance with regulatory standards.Our process includes detailed market valuations, keep-vs-sell analyses, and post-sale compliance documentation to protect all stakeholders. Trusted by attorneys, CPAs, and financial advisors nationwide, we pride ourselves on delivering personalized service backed by decades of expertise in life settlement transactions.
Services
Life Settlement Brokerage
Policy Rescue Analysis
Competitive Bidding
Compliance Reporting
Institutional Buyer Access
Details
- Year established: 2008
Highlights and features
- We offer 40+ years of experience in life settlement transactions
- Our team secures competitive bids from institutional buyers
- We provide comprehensive Policy Rescue Analysis reports
- We maintain strict compliance with state regulations
- We offer personalized client communication throughout the process
Associations and certifications
- Society for Trust and Estate Practitioners
What people say
Amazing job
Kept informed
Best offer
Knowledgeable and trustworthy
Transparent office
Services
Life Settlement Brokerage
We act as brokers connecting policyholders with institutional buyers to maximize their life insurance policy's cash value. Our service includes market analysis, bid negotiation, and compliance documentation. Clients benefit from competitive pricing and expert guidance through the entire transaction process.
Policy Rescue Analysis
This comprehensive analysis compares keeping versus selling your policy, showing potential cash value versus market value. We evaluate premium affordability, death benefit options, and alternative investment scenarios. Helps policyholders make informed financial decisions based on personalized data.
Competitive Bidding
We secure multiple offers from institutional buyers to ensure maximum policy value. Our negotiation process reduces fees while increasing sale proceeds. Competitive bidding typically generates 30-50% of death benefit value compared to surrender options.
Compliance Reporting
We create detailed compliance files documenting every transaction step for policyholders, insured parties, and advisors. Files include medical records analysis, bid history, and regulatory disclosures. Ensures full transparency and meets state licensing requirements.
Institutional Buyer Access
We connect clients with institutional buyers like pension funds and hedge funds specializing in life settlements. Our network ensures competitive offers while maintaining transaction security. Institutional buyers assume all future premium payments post-sale.
People
Robert W. Larsen
Owner and Chief Executive Officer
With 50+ years in life insurance, Bob founded Settlement Masters in 2008 after leading New York Life's top sales team. He specializes in estate planning and has negotiated billions in life settlement transactions.
Daryl E. Hable
Executive Vice President & Director of Operations
Daryl brings 30 years of insurance and banking experience, managing our analytical planning and client communication processes since 2012.
Michelle Holmon
Vice President Professional Partners Development
Michelle has led client development since 2008, building relationships with CPA firms and law practices while managing client communication processes.
Questions
What is a life settlement?
A life settlement is selling your life insurance policy to an institutional buyer for cash while you're still alive.
Am I eligible for a life settlement?
Typically if you're 65+ with health issues and hold a $250k+ policy from an A-rated insurer.
How does your process work?
We analyze your policy, compare keep-vs-sell options, secure competitive bids, and handle full compliance documentation.
Is this service free?
Yes, our policy analysis and appraisals cost nothing - we're paid from sale proceeds.
How long does the process take?
Typically 5-8 weeks from initial consultation to completed transaction.
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