
POWER BEYOND
A SINGLE BUYER
Don't settle for one offer! Sell your
life insurance policy to the highest bidder.
When buyers compete, policy owners WIN!
Get your life insurance policy appraised today!
WHAT WE DO
- What is a Life Settlement?
- What is a Viatical Settlement?
- Client Testimonials
- Free Life Settlement Qualifier

Life Settlement Case Studies
Mr. Williams

Mr. Williams purchased $10 Million in life insurance coverage in 2001 to provide his family with financial security. Over time, his financial priorities changed: his wife passed away, his children became financially independent, financial burdens arose and the estate tax exemption increased substantially. Therefore, the coverage was no longer needed and surrender was being considered. Fortunately, his advisor was aware of a more beneficial exit strategy, the ability to sell life insurance policies in a regulated secondary market. He presented Mr. Williams with a pre-market policy valuation report from Welcome Funds that estimated the market value to be substantially higher than the $275,485 surrender value. They were both shocked at the difference. Although Mr. Williams had never heard of a life settlement, he embraced the process, and well, the result – a difference of $4,467,515 - speaks for itself!
Policy's Insured |
Male | Age 86 |
Health Status |
Heart Disease |
Policy Type |
Universal Life |
Face Amount |
$10,000,000 |
Annual Premium |
$445,114 |
Surrender Value |
$275,458 |
Life Settlement Payout
$4,743,000
Ronald Received 22 Offers

Ronald purchased a $300,000 Universal Life policy back in 1999 to provide his wife with financial security. Unfortunately, after 20+ years, Ronald could no longer afford the premium payments as his healthcare costs were mounting. One day, while watching the evening news, Ronald saw a TV commercial from a direct buyer, called a life settlement provider, about selling a life insurance policy for cash. Ronald decided to call the direct buyer and after weeks of waiting, he was offered $10,000 for his $300,000 policy. Ronald said, “no way,” and decided to investigate other alternatives. Ultimately, Ronald decided that a life settlement broker, who would contact multiple companies to maximize the purchase price, would be his best option. After extensive research, he chose Welcome Funds. Welcome Funds conducted a transparent auction securing a total of 22 offers. In the end, Ronald received a check for $64,800, 548% more than the offer extended by the direct buyer!
Policy's Insured |
Male | Age 69 |
Health Status |
Fair |
Policy Type |
Universal Life |
Face Amount |
$300,000 |
Annual Premium |
$21,442 |
Surrender Value |
$749 |
Life Settlement Payout
$64,800
Margie Received 16 Offers

Margie purchased a 20-year level, convertible Term life insurance policy at age 48 to provide her daughter with financial security. Twenty years later, the term premium was set to increase dramatically and Margie's family could not afford to maintain the term life policy. Margie decided to explore a life settlement after seeing a TV commercial. She contacted one buyer directly, called a life settlement provider, but felt the $20,000 offer she received was low given her deteriorating health. Thankfully, Margie reached out to Welcome Funds to obtain a second opinion. Welcome Funds conducted a transparent auction securing a total of 16 offers from multiple life settlement providers (buyers). In the end, Margie was paid $54,000, a 170% increase compared to the offer she received initially, and was able to assist her daughter with a down payment on a new house.
Policy's Insured |
Female | Age 68 |
Health Status |
Fair |
Policy Type |
Term Life |
Face Amount |
$500,000 |
Annual Premium |
$23,880 |
Surrender Value |
$0 |
Life Settlement Payout
$54,000
Jerry Received 10 offers

Jerry purchased a $500,000 Universal Life policy seven years ago to provide his wife with “peace of mind.” Unfortunately, he could no longer afford the premium payments and contemplated letting the policy go. Jerry’s wife saw a TV commercial from a direct buyer, called a life settlement provider, about selling a life insurance policy for cash. Jerry decided to call the direct buyer and after waiting several months, he was offered $30,000 for his policy. Jerry was skeptical and thought the purchase price was low given his age and health history. He then contacted Welcome Funds, “just to be sure.” Welcome Funds conducted a transparent auction securing a total of 10 offers. In the end, Jerry and his wife received a check for $100,000, 233% more than the offer from the direct buyer!
Policy's Insured |
Male | Age 78 |
Health Status |
Fair |
Policy Type |
Universal Life |
Face Amount |
$500,000 |
Annual Premium |
$20,794 |
Surrender Value |
$13,794 |
Life Settlement Payout
$100,000
Jack

A small business was filing for bankruptcy and its assets were being reviewed. The company’s financial advisor helped the partners identify the value, which they did not know existed, contained in its key man life insurance coverage. The advisor recommended that Welcome Funds appraise the policy. The business decided to maintain the coverage so that the policy could be sold as a life settlement, instead of letting it lapse for $0. The proceeds from the sale paid off creditors and finalized the bankruptcy settlement. The partners were able to address their much needed liquidity needs and move on with their lives.
Policy's Insured |
Male | Age 77 |
Health Status |
Fair |
Policy Type |
Universal Life |
Face Amount |
$1,500,000 |
Annual Premium |
$74,000 |
Surrender Value |
$0 |
Life Settlement Payout
$187,000
Dave Received 21 Offers

After seeing an ad from a direct buyer on TV, Dave was surprised to learn that his life insurance policy could be sold for a cash payment. Dave contacted the direct buyer who offered him $43,000. Before proceeding with that offer, Dave contacted his CPA to see if this was in his best interest. The CPA recommended he receive a second opinion and contacted Welcome Funds. Dave quickly learned that several other buyers were willing to extend offers on his policy as well. Thanks to the auction platform of Welcome Funds, Dave received almost double the amount he was initially offered by the direct buyer, thereby maximizing the value of his policy.
Policy's Insured |
Male | Age 88 |
Health Status |
Fair |
Policy Type |
Universal Life |
Face Amount |
$300,000 |
Annual Premium |
$36,000 |
Surrender Value |
$0 |