Robert Harris
Advanced cardiac and diabetic, $1M UL policy
Severe coronary disease with two prior stents, moderate heart failure after a recent decompensation, poorly controlled type 2 diabetes on insulin, and stage 3 chronic kidney disease. Holds a $1M universal life policy originally issued preferred 20 years ago. Illustrates an impaired-risk life settlement where expected offers clear the cash surrender value, how buyer IRR assumptions move the offer, and how carriers treat a complex cardiac profile today.
Open the sample views
Each view is the same page a real client or advisor would see. A sample banner stays on screen so it is always clear you are looking at a fictional profile.
Consumer longevity report
The full self-serve report: health-adjusted life expectancy, survival curve, condition impacts, what-if scenarios, Social Security comparison, and the per-carrier underwriting class estimator inline at the bottom.
Advisor + settlement view
How the same profile appears to a financial advisor: policy details, settlement valuation across three buyer IRR scenarios, hold-vs-sell strategy comparison, and a clinical-level health breakdown.
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