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 needs shift, premiums climb, and estate plans evolve. By the time a client wants out, the instinct is to surrender, lapse, or reduce; each of those moves is permanent, and most of them quietly hand the value back to the carrier.
This WP90X session was built to interrupt that instinct. Now available on demand, it walks through one of the most overlooked strategies in financial planning: the life settlement, and the options that exist before any permanent decision gets made.
Watch the Full Session
In this 60-minute conversation, Ryan Barradas and Vince Brunoforte of WealthPoint sit down with Ryan Brusca of Coventry, the largest provider in the life settlement market. You’ll see what makes a policy marketable, how settlement value is determined, and how auditing an existing portfolio can uncover value that would otherwise be lost. When a settlement isn’t the right fit, the team walks through the strategies worth considering before anything becomes irreversible.
What You’ll Take Away
The session moves past the false “keep or quit” choice that traps so many policy decisions. You’ll learn when these strategies are appropriate, how life settlements work from pricing to compensation, and the real cost of overlooked opportunities, all with an eye on liquidity and legacy planning in uncertain times.
Read the Recap
Short on time? Our written recap distills the session into a focused read: what a life settlement actually is, what makes a policy a strong candidate, Coventry’s enhanced cash value program, and a case study where deeper diligence lifted an offer from a $600,000 surrender value to nearly $2 million.
Have a Policy Worth a Second Look?
Most of this value disappears quietly, through a surrender or lapse no one thought to question. If you’re reviewing policies or ILITs this year, the most valuable thing you can do is pause and hear the full story first.
Bring us the fact pattern while the option is still open, and we’ll help you and your client see the full picture before anything becomes final.
