WP90X On-Demand – A Time for Reflection: Discovering Hidden Value in Life Insurance
Published: June 12, 2026
Most advisory teams treat life insurance as a “set it and forget it” asset. But over time, needs shift, premiums change, and estate plans evolve. When a policy no longer fits the planning needs, the default reaction is often to surrender or allow lapse – decisions that are permanent and may leave meaningful value behind.
This WP90X session was designed to challenge that instinct. Now available on demand, A Time for Reflection: Discovering Hidden Value in Life Insurance explores the full range of options available before any permanent decision is made, with a focus on one of the most overlooked strategies in planning: life settlements.
Watch the Full Session
In this 60-minute conversation, Ryan Barradas and Vincent Brunoforte of WealthPoint join Ryan Brusca of Coventry to provide a transparent look into the life settlement market.
The discussion covers:
- What a life settlement is and how the process works
- What characteristics influence whether a policy is marketable
- How settlement value is evaluated
- How a thorough audit of an existing insurance portfolio can uncover value that might otherwise be lost
Importantly, the session also walks through the alternatives when a life settlement is not the right fit—highlighting additional strategies that should be evaluated before making an irreversible change.
What You’ll Take Away
This session moves beyond the traditional “keep or surrender” framework and introduces a broader, more strategic approach to policy decision-making.
You will learn:
- When life settlements should be considered and who may qualify
- How pricing, compensation, and key decision factors work in practice
- The range of restructuring and exit options available beyond a sale (including policy changes, reductions, and exchanges)
- How overlooked opportunities can impact liquidity and long-term planning outcomes
Grounded in real case studies, the session demonstrates how careful evaluation can significantly change outcomes compared to a simple surrender or lapse decision.
Read the Recap
Short on time? Our written recap distills the key concepts, including:
- What defines a strong life settlement candidate
- How policy value is determined
- The role of alternative strategies when a sale is not optimal
- Real-world examples that highlight the impact of deeper diligence
Have a Policy Worth a Second Look?
Many policies that appear to have limited value may still qualify for alternative strategies or market-based solutions. As the session highlights, life insurance policies are assets—and for the right clients, they may unlock liquidity, reduce ongoing premiums, and improve overall outcomes.
If you are reviewing policies or ILITs this year, it is worth taking a pause before making a permanent decision.
Bring us the fact pattern while options are still available, and we will help you and your client evaluate the full picture before anything becomes final.
