The future of life settlements
Over $200 billion in life insurance is lapsed or surrendered every year that could have been sold as a life settlement. Harbor Life offers turnkey solutions that streamline the life settlement process.
Try the world's most advanced life settlement calculator.
Learn to create new revenue streams and access cash for your clients.
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We’re obsessed with creating the best outcomes for your clients.
Find out why our industry-changing technology and expert service are trusted by both leading institutions and small producers.
MY POLICY PREDICTOR
The world’s most advanced life settlement calculator
If you want to see the estimated value of a house, you can look it up instantly on Zillow. We wanted the same quick and easy process for life settlements — so we built it. My Policy Predictor uses machine learning to analyze millions of data points and price policies in minutes, not months.
- Answer a few standard questions to instantly generate an estimated policy value.
- Estimate the after-tax implications of selling a policy versus continuing to pay premiums.
- Underwrite a single policy or your entire book of business.
- Turn life settlements into a proactive and automated process.
The Harbor Life difference
Instantly price your clients’ policies using My Policy Predictor™
Get fair market value for policies on the Harbor Life Exchange
Access unparalleled back office support and case management
Leverage turnkey, white-labeled marketing materials
The Harbor Life Exchange
Access the entire life settlement market instantly
There’s nothing like some healthy competition. Instantly access the world’s biggest buyers in our centralized exchange, where funders blindly bid on policies in real time. Bids through our auction net 50% higher offers than the industry average.
- Amplify your reach and increase competition for your clients’ policies.
- Get the best possible payout for you and your clients.
- Access every institutional buyer in one central exchange.
- Amplify your reach and increase competition for your clients’ policies.
- Get the best possible payout for you and your clients.
- Access every institutional buyer in one central exchange.
WHOLE LIFE PROGRAM
A revolutionary new way to manage whole life policies
You can rescue your clients from debilitating policy loans and their possible tax consequences. The Loan for Life™ program enables you to get as much as 100% of the cash surrender value of your clients’ policies (less the Lender’s fees and expenses) with no taxable event while keeping some coverage for their beneficiaries.
- Access up to 100% of the cash value in a whole life policy.
- Repay 100% of outstanding loans.
- Allow clients to retain a portion of the death benefit without paying another premium
“The technology Harbor Life has created to help me present life settlement solutions to the agents I work with has changed the way I run my practice. No longer will a client surrender a life insurance policy without knowing the real value of their policy! Utilizing their auction makes me feel very comfortable that they are receiving the best possible price in the market.”
J&J, New England
“Harbor Life is very transparent and are visionaries when it comes to making the life settlement market as competitive as possible to maximize the value given to each life settlement client you may run across. Austin (my main point of contact) has about 9 years in the business and knows the market inside and out and has always been remarkably responsive and accessible when needed. ”
Drew C Velasquez
Principal/Founder, IBCM Group
“The challenge historically with working on [life settlement] cases is the time it takes to get clear answers for the advisors as to what the policies are actually worth. Working w/ Harbor Life Brokerage takes those problems right off the table. Their policy predictor platform allows an advisor to know within minutes what their clients’ policies are worth. From there, Harbor has a team of people to help my agents settle the policies, getting top dollar using their online auction.”
Brokerage Manager, Boston
Discover how Harbor Life can supercharge your life settlement business
