Unlock the Potential Value of Your Life Insurance Policy
IRAA helps policyholders explore life settlement opportunities, navigate the marketplace, evaluate offers, and coordinate transactions with qualified providers.
A policy can be worth exploring before it lapses.
Many policyholders are unaware that an existing life insurance policy may hold value beyond its cash surrender value, or simply letting it lapse. A life settlement allows an eligible policyholder to sell a policy to a third party for an agreed purchase price, in a transaction coordinated by IRAA as your intermediary.
Policyholders consider a life settlement for a range of reasons — a policy is no longer needed or affordable, premiums have become burdensome, beneficiary circumstances have changed, or simply because they want to compare a potential offer against the policy's surrender value before deciding.
Whatever the reason for exploring a sale, the decision remains entirely yours. IRAA's role is to help you understand your options and manage the process — not to make the decision for you.
A structured review, start to finish.
Policy Review
Reviewing an existing life insurance policy's terms, structure, and current standing.
Education on Options
Helping policyholders understand what a life settlement is and whether it merits further exploration.
Documentation
Gathering the relevant policy information and authorized documentation a transaction requires.
Market Outreach
Marketing an eligible policy to appropriately licensed life settlement providers.
Offer Comparison
Soliciting, comparing, and communicating offers from participating providers.
Transaction Coordination
Helping coordinate the transaction and communication through to settlement with the selected provider.
Support that goes beyond a single introduction.
Negotiation support
We help communicate with providers on your behalf and clarify offer terms, so you can make an informed decision.
Transparent communication
Regular, plain-language updates from initial consultation through closing — no surprises.
Qualified providers only
Every offer is sourced from an appropriately licensed life settlement provider.
You decide
No offer is accepted, and no transaction proceeds, without your explicit consent.
A clear path from inquiry to closing.
- 01
Initial Consultation
A conversation to understand the policy and whether a settlement is worth exploring.
- 02
Policy Review
Collecting policy details and documentation for evaluation.
- 03
Market Evaluation
Marketing the policy to appropriately licensed providers.
- 04
Offer Presentation
Presenting and explaining offers received, side by side.
- 05
Settlement Coordination
Coordinating the closing process with the selected provider.
“Professionalism and transparency, in every conversation.”Indian River Alternative Assets, LLC
- Plain, direct explanations of how the life settlement process works and what to expect at each stage.
- Careful handling of policy information and personal documentation throughout the review.
- Honest communication about whether your policy appears to be a fit for the life settlement market.
- Coordination with appropriately licensed providers and independent parties at every stage of a transaction.