Clear steps for policyholders and for brokers referring a file.
Share age, carrier, approximate face amount, and whether the term is still convertible.
If it may qualify, we outline what is needed (policy details, medical records authorization, ID).
You see whether a purchase is possible and review disclosures before signing anything.
If you proceed, closing is handled through proper channels with required documentation.
Client is done with the coverage, still convertible, roughly 55–75, open to selling — not rewriting with you.
We send the one-page referral agreement (fee details + non-compete). Contact us for the fee.
Limited help: policy details, VOC, conversion assistance if needed on a sale path.
When the purchase closes, the flat referral fee is paid. No fee if it does not close.
Not every policy qualifies. Health, carrier, convertibility, and face amount all matter. Keeping the policy, converting, or replacing coverage may be better for some people — that decision stays with the owner and their advisors.
Contact us