• GUL Policy Values
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    GUL Market Opportunity

    Why GUL Policies Are Commanding Exceptional Offers

    Guaranteed Universal Life (GUL) policies are among the most sought-after assets in today’s life settlement market.

    At Settle Advisor, we’re seeing strong competition from our exclusive institutional buyers, particularly for policies with healthy insureds, low cash surrender values, and strong long-term guarantees.

    Why Buyers Value GUL

    Why Buyers Value GUL Policies

    GUL policies offer a combination that institutional buyers find particularly attractive: predictable death benefits, defined policy structures, and clear long-term economics.

    They are also frequently underappreciated in the traditional brokerage market. That disconnect can create significant opportunity for policyowners and advisors who understand the secondary market.

    A policy that may no longer make economic sense for the owner can still represent a highly valuable asset to a third-party buyer.

    Even when a policy has little or no cash surrender value, it may still command a six- or seven-figure settlement.

    In qualifying cases involving clients age 75+, we can obtain offers in 24 hours or less without medical records. All we need is:

    • ✓ An illustration to age 105
    • ✓ The client’s date of birth
    Case Studies

    Case Studies: When GULs Become High-Value Assets

    01

    Case Study #1 — $7.5M GUL Policy

    Client
    Healthy 79-year-old female
    Surrender Value
    Minimal
    Final Offer
    $2,350,000

    The client no longer needed the policy and was presented with a multimillion-dollar settlement opportunity. We brought the case to multiple institutional buyers, allowing competition to determine the strongest offer.

    02

    Case Study #2 — $1M GUL Policy

    Client
    83-year-old male
    Surrender Value
    $45,000
    Final Offer
    $250,000

    The policy was underperforming for the client while premium costs were increasing. We positioned the case with our top capital firms and secured an offer representing a 5x increase over the policy’s surrender value.

    The client subsequently reinvested the proceeds into another financial product, while the advisor earned commissions on both the life settlement and the resulting annuity.

    Institutional Buyer Demand

    These Buyers Are Looking for More. Let Us Compete.

    There is no shortage of capital in today’s market—but institutional buyers are looking for specific types of policies, and GULs are increasingly among them.

    Our network of niche capital sources actively pursues these policies because of their strong structure, favorable risk profile, and long-term value.

    If you have already submitted a case elsewhere—or had a policy declined—we still want to see it.

    Let our market reach, institutional relationships, and competitive buyer network work for you.

    Have a client policy you’d like us to review? You don’t have to figure it out alone. Call Settle Advisor and speak with our team about a free policy appraisal with no obligation.
    Call: (800) 640-3527
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