Already have an offer on your policy?
Before you accept, it is worth understanding what the offer represents and whether the market would pay more.
If you have already received an offer to buy your life insurance policy — from a broker, a direct buyer, or through another channel — you are not obligated to accept it. The life settlement market is competitive, and a single offer may not reflect what multiple buyers would pay.
One offer is not a market
Life settlement buyers are institutional investors who bid based on their own cost of capital, portfolio needs, and risk models. A single buyer quoting you a price has no incentive to tell you what a competing buyer might pay. The only way to know whether an offer is competitive is to put the policy in front of multiple buyers simultaneously — which is what a licensed broker does.
What to look at in an offer
The headline number matters, but so does what is being offered. Some offers are net of broker fees; others are gross. Some include a premium escrow that reduces your net proceeds. Ask for the net amount you will receive at closing, after all fees and any premium obligations, and compare that to the death benefit to understand what percentage you are being offered.
You can get a second opinion
Bringing an existing offer to a broker does not void it. Most offers have an acceptance window of 30 to 60 days. A broker can typically run a competitive process within that window. If the market produces a higher number, you take it. If it does not, you still have the original offer on the table.
What Zen Cash does here
We review the offer you have received, explain what it means in plain language, and tell you honestly whether we think the market is likely to produce a better result. If it looks promising, we refer the policy to a licensed broker who runs a competitive process. We are paid by the broker only if a sale closes at a higher number. If we do not think the market will beat your existing offer, we will say so.
Bring us the offer.
Tell us the face amount, the offer amount, and the type of policy. That is usually enough for us to give you an honest read on whether it is worth running a competitive process.
One conversation. No obligation.
If the offer you have is already competitive, we will tell you. If we think the market will do better, we will explain why.