Real Outcomes. Real Clients.

A 72-year-old retired executive held a $2 million universal life policy he had purchased during his peak earning years. His estate plan had changed significantly post-retirement, and his heirs no longer needed the benefit.

The policy's surrender value was $45,000 — a fraction of what decades of premiums had built. He was preparing to lapse the policy and walk away with nothing, assuming he had no better option.

His financial advisor referred the client to Amrita Financial. Amrita evaluated the policy, submitted it to multiple institutional buyers, and managed the underwriting and negotiation process over the following 90 days.

The client received $380,000 — more than 8x the surrender value — which he used to fund a charitable gift and supplement his retirement income. His advisor deepened the relationship and earned a referral fee.

A 78-year-old widow held a $500,000 whole life policy that had been in force for over 30 years. The premiums, which had been manageable when her late husband was alive, were becoming a significant burden on her fixed income.

She was considering either surrendering the policy or allowing it to lapse. Her estate planner wasn't aware that a secondary market existed — or that her policy might have significant market value beyond its cash surrender value.

The estate planner made the introduction to Amrita Financial. Amrita managed the full process: medical review, buyer solicitation, offer negotiation, and closing documentation. The client's relationship with her estate planner remained central throughout.

The client received $120,000, eliminating her premium burden and providing meaningful liquidity for long-term care planning. Her estate planner was credited by the client for "finally solving" a problem she'd carried for years.

A 68-year-old business owner had a $1 million term policy with a conversion privilege. He had sold his business, his buy-sell agreement had dissolved, and the coverage no longer served any purpose. He was approaching the end of his conversion window.

He was about to let the term policy expire — unaware that converting it to permanent coverage and immediately selling it in the secondary market was a viable strategy. His insurance agent hadn't raised the option.

A proactive financial advisor who had learned about life settlements through Amrita Financial recognized the conversion opportunity. Amrita coordinated with the insurance carrier, the policy was converted, and the settlement process was launched simultaneously.

What would have been a $0 outcome — a lapsed term policy — became $95,000 in proceeds. The client was stunned. His advisor became the hero of that relationship for identifying an option no one else had flagged.