Business Details
18 Years
experience
Maximize Your Life Insurance Policy Value with Expert Settlement Services
Founded in 2008, Settlement Masters specializes in helping clients maximize the value of unwanted life insurance policies through certified policy rescue analyses and competitive bidding processes. Our team of industry veterans brings decades of experience in estate planning, corporate succession, and life settlement transactions. We prioritize client education, transparency, and fiduciary responsibility, ensuring policyowners make informed decisions about retaining or selling their policies.With a focus on high-net-worth individuals and businesses, we facilitate transactions that align with evolving financial goals and market opportunities. Our proprietary Masters Process ensures rigorous evaluation of policy options, from partial surrenders to full settlements, while maintaining compliance with state regulations and ethical standards.
Services
Policy Rescue Analysis
Life Settlement Brokerage
Competitive Bidding Process
Estate Planning Solutions
Financial Advisory Services
Details
- Year established: 2008
Highlights and features
- We offer 50+ years of combined experience in life settlements and estate planning
- Our certified policy rescue analysis ensures informed decision-making
- We implement a competitive bidding process for maximum policy value
- Our team maintains transparency with written bid documentation
- We specialize in fiduciary-compliant transactions for trustees and beneficiaries
Associations and certifications
- Society for Trust and Estate Practitioners (STEP)
What people say
Amazing job
Kept informed
Best offer
Thorough analysis
Professional and know what they are talking about
Services
Policy Rescue Analysis
Our certified analysis compares policy retention benefits against market value through institutional bidding. We document cash surrender values, reduced death benefit options, and paid-up insurance alternatives. The process includes beneficiary sign-offs for fiduciary compliance, ensuring transparent decision-making for policyowners facing surrender or lapse scenarios.
Life Settlement Brokerage
We facilitate life insurance policy sales to institutional buyers through competitive bidding. Our brokerage service secures multiple offers to maximize client returns while maintaining regulatory compliance. The process includes policy appraisal, buyer vetting, and transaction execution for policies valued at $1M+.
Competitive Bidding Process
Our proprietary bidding system engages multiple institutional buyers to create price competition. We manage bid submissions, verify buyer credentials, and present offers in writing. This transparent process ensures clients receive market-accurate valuations while maintaining confidentiality throughout the transaction.
Estate Planning Solutions
We develop strategies to optimize life insurance assets within estate plans. Services include policy restructuring, partial surrenders, and liquidity solutions for business succession. Our team collaborates with attorneys and CPAs to align policy transactions with broader estate objectives.
Financial Advisory Services
Our advisory services focus on transforming illiquid insurance assets into usable capital. We provide cash flow analysis, investment strategy recommendations, and fiduciary guidance for policyowners seeking to reallocate resources toward business ventures, retirement needs, or legacy planning.
People
Robert W. Larsen
Owner and Chief Executive Officer
With 50+ years in the insurance industry, Bob founded Settlement Masters in 2008 after leading New York Life's top-performing offices. He specializes in corporate succession planning and has brokered billions in life settlements. A STEP member, he hosts financial webinars and contributes to taxation journals.
Daryl E. Hable
Executive Vice President & Director of Operations
Daryl oversees analytical operations with 30 years in banking and insurance. He manages technical research and client presentations, ensuring compliance with regulatory standards. His expertise includes policy valuation modeling and institutional buyer relations.
Michelle Holmon
Vice President Professional Partners Development
Michelle leads client development since 2008, specializing in CPA and law firm partnerships. She manages communication protocols and client service standards, ensuring 100% commitment to transaction transparency and professional partner coordination.
Questions
What is a life settlement?
A life settlement is selling your life insurance policy to an institutional buyer for cash, providing more value than surrendering to the insurer.
Am I eligible for a life settlement?
If you're 65+ or have health impairments with an 'A' rated policy, you may qualify for a settlement worth more than cash surrender value.
How does the bidding process work?
We secure multiple institutional offers through competitive bidding, ensuring you receive the highest market value for your policy.
What happens after I sell my policy?
The buyer assumes premium payments and becomes the new beneficiary. You receive cash proceeds with no future obligations.
Is a life settlement right for me?
Our certified analysis compares retention vs. sale options, helping you decide based on your financial needs and policy performance.
How long does the process take?
Most transactions complete in 90-120 days, including policy review, bidding, and closing formalities.
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