For Financial Advisors
Your Clients Have Hidden Value in Their Policies. Are You Showing Them?
Amrita Financial is the life settlement partner built for advisors. We handle everything — evaluation, underwriting, negotiation, and closing — while you protect your clients and earn referral fees with zero extra work.
The Question You Need to Ask Every Client
"Do you have a life insurance policy you might not need anymore?"
Millions of Americans lapse or surrender policies every year — walking away with little or nothing — when those same policies could have been sold on the secondary market for 4 to 10 times the surrender value. As their advisor, you are uniquely positioned to change that outcome. And if you don't, someone else eventually will.
Why Advisors Partner With Amrita Financial
Every benefit below represents something your clients deserve — and something you deserve as a professional who has their best interests at heart.
Fiduciary Protection
Not presenting this option is a liability.
If a client has a life insurance policy they no longer need, you have a professional obligation to make sure they know all their options — including the possibility that policy could be worth far more than its surrender value. Advisors who miss this opening run real liability risk. Partnering with Amrita Financial closes that gap cleanly.
New Revenue Stream
Get paid for referrals you're already positioned to make.
When a client's policy qualifies and a settlement closes, referring advisors receive a referral fee — with zero product sales, zero licensing requirements, and zero change to your existing practice. It's revenue hiding in your existing book of business.
Zero Effort on Your End
You refer. We do everything else.
Amrita Financial manages the entire process — policy evaluation, medical underwriting, institutional buyer outreach, offer negotiation, and closing documentation. You make the introduction. We take it from there. Your time investment is measured in minutes, not hours.
Compliance Handled
Nationally licensed. Fully regulated.
Life settlements are regulated at the state level and require a licensed broker. Amrita is nationally licensed with 25+ years of experience navigating regulatory requirements across all active life settlement states. You refer within your scope — we handle the licensed brokerage work.
Client Relationship Protected
Your client stays your client.
We work alongside you, not around you. Your client relationship is always protected. We communicate transparently with you at every stage, and your client knows you brought this opportunity to them. That kind of advocacy deepens trust and loyalty for years to come.
Ready to Start?
One conversation. That's all it takes.
We will walk you through exactly how the referral process works and answer every question you have. No commitment required.
How Referrals Work
Simple. Transparent. Completely managed on our end.
You Identify a Potential Fit
A client mentions they're thinking about lapsing or surrendering a policy, or you notice a policy that no longer fits their plan. That's the moment.
You Make the Introduction
A quick call or email to us is all it takes. No paperwork on your end. No long intake forms. Just a warm introduction and we take it from there.
We Evaluate the Policy
We request basic policy information and work with institutional buyers to assess market value. We'll tell you quickly whether it's a likely fit — no wasted time.
We Manage the Entire Process
Medical underwriting, buyer outreach, competitive offer gathering, negotiation, and closing. The typical timeline is 60–120 days from start to close.
Your Client Gets Paid. You Get Paid.
Your client receives their settlement proceeds. You receive your referral fee. Everyone wins — especially your client, who now has capital they didn't know they had.
Who You're Partnering With
Paul W. Bowen, President
Paul has spent 25+ years building relationships with financial advisors across the country — not because it's a business strategy, but because he genuinely believes advisors are the most important advocates their clients have.
He is nationally licensed, works with institutional buyers across the country, and has seen firsthand what a properly negotiated life settlement can mean for a family.
98% of Amrita's business comes through advisor referrals. That's not a marketing stat. That's a reflection of the trust we have built — and the results we deliver.
What Advisors Say
"I had a client ready to lapse a $1.5M policy. I called Amrita on a Thursday. By Friday afternoon we had a preliminary offer. My client walked away with more money than she'd ever imagined. That one referral changed her retirement."
"Amrita handles everything. I made one phone call. My clients got paid. My referral fee came in. And they called me to say thank you. That's the whole story."
Your Next Client Referral Is Waiting.
Let's talk. One conversation with our team is all it takes to understand how this works, whether it fits your practice, and how quickly you can start helping clients unlock hidden value.