You Identify the Opportunity. We Handle Everything Else.

During a review with your client, notice that they have a life insurance policy they no longer want or need — or one they're struggling to keep in force. That's it. That's the trigger. You don"t need to know valuations, buyer markets, or settlement mechanics. You just need to ask one question: 'Have you ever considered whether your life insurance policy has a market value beyond its cash surrender value?'

• ✓Universal life, whole life, guaranteed universal life (GUL), or convertible term policies
• ✓Insured typically age 65 or older
• ✓Policy face value of $100,000 or more
• ✓Health changes since policy issuance often increase value
• ✓Client no longer wants, needs, or can afford the premium

Once you've identified a potential case, you submit basic policy details to Amrita Financial. This is a straightforward intake process — we make it easy because we want advisors to feel confident referring cases without bureaucratic friction. We'll need the policy illustration, the insured's date of birth and health summary, and your signed authorization to represent the case.

• ✓Complete our simple intake form (online or by phone)
• ✓Provide policy illustration and in-force ledger
• ✓Sign our advisor agreement (one-time setup)
• ✓Share basic health summary — full APS not required at this stage
• ✓We confirm receipt and assign a case manager within 24 hours

Amrita Financial manages the entire underwriting and buyer matching process on your behalf. We order medical records, coordinate with the insurance carrier, prepare a professional case file, and present the opportunity to multiple pre-qualified institutional buyers. You won't be chasing paperwork or tracking down doctors' offices. We handle all of it — and we keep you informed at every stage.

• ✓We order and review attending physician statements (APS)
• ✓Our underwriters assess life expectancy across multiple models
• ✓Case file submitted to 10–15 vetted institutional buyers
• ✓We manage all buyer communications and due diligence requests
• ✓You receive a status update at each milestone

When buyer offers arrive, Amrita Financial analyzes and negotiates on behalf of your client — not the buyer. We present all qualified offers with full transparency and our recommendation. Because we work with multiple buyers simultaneously, we create genuine competition. That competition drives up the offer price. Your client makes the final decision with full information and zero pressure.

• ✓All offers presented with full disclosure
• ✓We negotiate against buyer counteroffers on your client's behalf
• ✓No hidden fees, kickbacks, or buyer-side arrangements
• ✓Amrita personally reviews all transactions above $1M face value
• ✓Client retains final decision authority at all times

Once the client accepts an offer, closing documentation is prepared and executed. Proceeds are typically disbursed within 2–4 weeks of closing. The settlement amount goes directly to your client — often far exceeding the policy's cash surrender value. Your client can use the proceeds however they choose: long-term care, retirement income, legacy planning, or charitable giving. You receive advisor credit and your referral fee.

• ✓Closing documents prepared and managed by Amrita Financial
• ✓Proceeds disbursed within 2–4 weeks of signed closing
• ✓Client receives lump sum — no ongoing obligations
• ✓Tax treatment is generally favorable (consult CPA for individual guidance)
• ✓Advisor referral fee paid upon closing