“The difference between one offer and a competitive process can be $50,000 to $500,000.”
Pause.
Most offers are not the highest offer. A single bid rarely represents the full market value of your policy.
Before you accept, it's worth confirming you're seeing the full market.
Have Alex Review Your Offer
Most policies lapse. Others are surrendered.
Millions in value is lost every year.
There is another option — a life settlement.
Your coverage need has changed. Convert a dormant policy into cash to fund retirement.
Learn more →Before you let a policy lapse, find out what the market will pay for it today.
Learn more →A life or viatical settlement can free up capital precisely when you need it most.
Learn more →Use the value of your policy to fund care without liquidating other assets.
Learn more →When the original purpose of a policy no longer applies, there may be real value left to capture.
Learn more →Key-man and buy-sell policies often qualify. Don't surrender when you can sell.
Learn more →Share your policy details or any offer you've already received. No commitment required.
22 years of market knowledge applied to maximize what buyers will bid for your specific policy.
Multiple institutional buyers submit offers. Competition, not a single take-it-or-leave-it price.
You review all offers, ask questions, and decide. No pressure. The choice is always yours.
You'd list it. You'd get multiple offers. You'd let buyers compete.
A life insurance policy is one of your largest financial assets. It deserves the same process.
Alex represents you — not the buyers — to create exactly that competition.
Without a Broker
With Alex
“We were ready to surrender the policy for $18,000. Alex brought in four competing offers. We closed at $94,000. It changed everything.”
M.R., Retired, Florida · 2024
“I had an offer on the table and was ready to sign. Alex told me to wait. Within two weeks we had three higher bids. The difference was $67,000.”
D.T., Texas · 2023
“At 74, I didn't know my policy had any market value. Alex walked me through every step. I paid off my long-term care costs and had money left over.”
P.W., Arizona · 2024
Individual results vary. Past performance is not indicative of future results.
Since 2002, Alex Barba has worked exclusively on behalf of policyholders navigating the life settlement market. In that time, he has personally closed over $1 billion in settled policies across 47 states.
His model is straightforward: he's compensated only when a transaction closes, and only when it closes at a number his clients accept. If you don't close, he doesn't earn.
That alignment — between his outcome and yours — is the foundation of everything he does.
Read Alex's full background →It costs nothing to confirm you're seeing the full market. If you're already working with a buyer, it still costs nothing to know what else was possible.
