SAMPLEFictional profile: Robert Harris. Engine output is real; the underlying person is not.
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Lumis Life

Advisor sample, settlement view

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Advisor sampleSettlement valuation + hold-vs-sell

Robert Harris

Age 78 · Advanced cardiac and diabetic, $1M UL policy

See an impaired-risk settlement that clears the cash surrender value — with the three buyer-IRR scenarios visible side-by-side. The offer range, strategy grid, and condition-level LE impacts below are live engine output on Robert's fictional profile.

Health-adjusted life expectancy

to age 83

5.4 yr remaining · current age 78

SSA baseline: age 87

Policy on file

$1,000,000 UL

Lincoln National · A+

Premium: $18,000 / yrCSV: $120,000

Marketability read

Strong Candidate

Score 85/100

This UL policy scores 85/100 — a strong life settlement candidate. With a 5-year life expectancy, age 78, and $1,000,000 face amount, the low CSV ratio (12%) makes settlement compelling.

How to read this sample

  1. Cards above — the client's mortality read, policy on file, and marketability score.
  2. Offer range — three DCF valuations at different buyer IRR targets. The mid is the expected offer; the low/high are the honest range.
  3. Strategy grid — sell, hold, surrender, and alternates ranked by after-tax NPV. The "Best" badge is the top ranked strategy.
  4. Condition impact — isolated LE deltas per diagnosis so you can see what's actually driving the mortality picture.

Settlement offer range

DCF valuation across three buyer pricing scenarios, net of $15K provider fees + 1% face + 20% broker commission.

Conservative Market

$345,203

34.5% of face

Expected

$381,172

38.1% of face

Competitive Market

$409,608

41.0% of face

Strategy comparison

Ranked by after-tax NPV at the configured discount rate.

StrategyNPVAfter-tax NPVIRRNotes
BestHold Policy$629,851$629,85174.5%Continue paying premiums and retain the death benefit (account value projected to run out in year 30 at the current premium; death benefit would end then unless premiums are increased)
Life Settlement$381,172$375,879-Sell the policy for an estimated $381,172
Reduce Paid-Up$230,551$230,55121.1%Convert to paid-up policy with $300,000 face amount, no further premiums
Surrender for Cash$120,000$120,000-Surrender the policy for $120,000 in cash
1035 Exchange$118,384$118,3843.3%Tax-free exchange to annuity (~$24,625/year for ~5 years)

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