Unlocking the Hidden Value of Your Life Insurance

The Evolution of Life Settlements with Matthew Ganovsky (Ep. 13)

Many people reach a point when their life insurance no longer aligns with their financial outlook. Knowing what choices exist can shape long-term stability. How do you approach a major policy decision with confidence? How do you uncover options that may add meaningful value to retirement planning? In this episode, Mark Mrky and Rob Haynie talk with Matthew Ganovsky, Founder and President of Abacus Life Settlements, about the shift from viatical settlements to the modern life settlement Market. He explains how institutional buyers evaluate policies, why transparency matters, and how advisors can better guide clients who may be letting valuable policies lapse.  They also discuss the role of Marketing, rising consumer awareness, and how life settlements may support goals from estate planning to funding care needs. Key points: * Institutional buyers look for balanced pricing, correct underwriting, and policies that fit portfolio targets * Advisors often miss the chance to present life settlements before a lapse or surrender occurs * Consumer awareness is growing through consistent advertising efforts * Broker-dealer and carrier restrictions continue to shift as acceptance increases * More clients are exploring settlements to support retirement or care-related expenses * And more! Connect with Mark Mrky:  * 954-326-9378 * 866-326-5433 Ext. 1017 * LinkedIn: Mark Mrky [https://www.linkedin.com/in/mark-mrky-b8540113] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] * markm@lisettlements.com  [MarkM@Life-Settlements.com] Connect with Rob Haynie: * 954-599-4433 * LinkedIn: Rob Haynie [https://www.linkedin.com/in/rob-haynie-08656b9] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] Connect with Matthew Ganovsky: * LinkedIn: Matthew Ganovsky [https://www.linkedin.com/in/matthew-ganovsky-25a2032a/] * Website: Abacus Life Settlements [https://abacuslifesettlements.com/] * matt@abacuslife.com [matt@abacuslife.com]  About Our Guest: Matthew Ganovsky, Founder and President of Abacus Life Settlements. Matthew has close to two decades of experience in the areas of life insurance policy and settlement underwriting and is well-known as an innovator and early adopter within the industry. Prior to launching Advanced Life Settlements in 2000, Matthew was a sales specialist at Medical Escrow Society and focused his efforts in the viatical settlement segment of the market, specifically brokering on behalf of policyholders diagnosed with cancer, ALS, or other life-threatening illnesses. Matthew has cultivated long-standing and valued relationships with funding sources within the life settlement business and currently oversees all client and policy activity at Advanced Life Settlements. In conjunction with Advanced’s co-founders and co-presidents, Sean McNealy and Scott Kirby, Ganovsky has sold more than $8.5 billion in life settlements and brokered more than 3 thousand life insurance policies. Matthew has been a member of the Life Insurance Settlement Association (LISA) since 2001. He holds his Life License in the state of Florida and also holds his life and viatical broker’s license in several other states.

Long-Term Care Funding with Chris Orestis: The Overlooked Power of Life Settlements (Ep. 12)

What if the life insurance policy your client no longer wants could become the key to paying for long-term care? In this powerful episode, hosts Mark Mrky and Rob Haynie welcome Retirement Genius Chris Orestis, CSA, Founder and President of Retirement Genius, to unpack the often-overlooked strategy of life settlements—transforming underused life insurance policies into funding solutions for healthcare, annuities, and retirement expenses. Chris shares how his journey from Capitol Hill to long-term care innovation led him to champion life settlements as a tool of financial dignity. From regulations to misconceptions, he explains why advisors must rethink what’s possible with aging clients’ policies. What to expect: * How life settlements help fund care while preserving Medicaid eligibility * Why UL policies are underperforming and how to address them * Annuities with LTC riders as viable reinvestment options * The advisor’s fiduciary duty to present this option * And more! Connect with Mark Mrky:  * By phone: 954-326-9378 or 866-326-5433 Ext. 1017 * LinkedIn: Mark Mrky [https://www.linkedin.com/in/mark-mrky-b8540113] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] * By email: markm@lisettlements.com  [MarkM@Life-Settlements.com] Connect with Rob Haynie: * By Phone: 954-599-4433 * By Email: rob@lisettlements.com * LinkedIn: Rob Haynie [https://www.linkedin.com/in/rob-haynie-08656b9] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] Connect with Chris Orestis: * LinkedIn: Chris Orestis [https://www.linkedin.com/in/chrisorestis/] * Website: Chris Orestis [https://chrisorestisrg.com/] About our Guest:  Chris Orestis, CSA, is President of Retirement Genius and is a nationally recognized financial, health, long-term care (LTC), and retirement issues expert. He has over 25 years’ experience in the insurance and long-term care industries and is credited with pioneering the Life Settlement Annuity and Long-Term Care Life Settlement over a decade ago. Known as a political insider and senior issues advocate, Orestis is a former Washington, D.C. lobbyist who has worked in both the White House and for the Senate Majority Leader on Capitol Hill. In 2007, he founded Life Care Funding, in 2017, he founded the LifeCare Xchange, and in 2020, he founded Retirement Genius. Chris Orestis is the author of the books Help on the Way and A Survival Guide to Aging. In 2019, Chris was named one of the twenty most innovative people in the insurance industry by the National Association of Independent Brokerage Agencies (NAILBA). Chris is on the Board of Directors for the NAILBA Charitable Foundation, where he founded the Industry Foundation Partnership initiative, a founder and member of the Board of Directors for Insurance Marketing Coalition, and is a member of the Editorial Board for the CSA Magazine. He has been speaking for two decades across the country about senior finance and the secrets to aging with financial and physical health and dignity. In 2019, Chris was named one of the twenty most innovative people in the life insurance industry by the National Association of Independent Life Brokerage Agencies (NAILBA). He has appeared in The New York Times, The Wall Street Journal, CNBC, NBC News, Fox News, USA Today, Kiplinger’s, Investor’s Business Daily, AARP Magazine, PBS, and numerous other media outlets, is a frequent columnist for NewsMax Finance, Broker World, ThinkAdvisor, IRIS, and has been a guest expert on over 100 radio programs and TV appearances.

Transforming Life Insurance into Retirement Assets with Steven Zeiger (Ep.11)

What happens when a life insurance policy doesn’t perform as expected? In this episode, Mark Mrky and Rob Haynie chat with Steven Zeiger, from KB Financial, about the often-misunderstood world of life insurance costs and performance evaluations. Steven, known for his independent research and advisory services, offers a fresh perspective on how to assess the true cost of life insurance policies beyond sales pitches.  Mark, Rob, and Steve discuss:  * Steven’s methodology for evaluating insurance costs and performance [00:10:20] * The impact of policy design on life settlement options and outcomes [00:21:00] * Real-life client stories highlighting the significance of informed policy decisions [00:23:23] * The role of independent research in life insurance [00:29:12] * Strategies for monitoring and adjusting life insurance investments over time [00:39:20] * And more Connect with Steven Zeiger: * LinkedIn: Steven Zeiger [https://www.linkedin.com/in/stevenzeiger/] * KB Financial [https://www.kbfinancialcompanies.com/] Connect with Mark Mrky:  * 954-326-9378 * 866-326-5433 Ext. 1017 * LinkedIn: Mark Mrky [https://www.linkedin.com/in/mark-mrky-b8540113] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] * markm@lisettlements.com  [MarkM@Life-Settlements.com] Connect with Rob Haynie: * 954-599-4433 * LinkedIn: Rob Haynie [https://www.linkedin.com/in/rob-haynie-08656b9] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] * rob@lisettlements.com [rob@lisettlements.com] About Our Guest:  Steven Zeiger serves as a Managing Director of Wealth Management at KB Financial and is a recognized professional in applying prudent investor guidelines to life insurance product selection and portfolio management according to established and proven asset management doctrine. Prior to joining KB Financial, Steven worked for an Austin, Texas firm specializing in Private Placement Life Insurance for ultra-high-net-worth families, where he oversaw marketing efforts for the Northeast.

Exploring Life Settlements as a Strategic Exit for Policyholders with Elan Moas (Ep. 10)

Life settlements are transforming the financial landscape for retirees, offering a strategic option to unlock hidden value from life insurance policies that might otherwise lapse.  Yet, many policyholders remain unaware of this powerful alternative—or hesitant about taking the leap. If you’re looking for ways to turn an underperforming policy into a valuable asset, this insight could change everything. In this episode, hosts Mark Mrky and Rob Haynie chat with Elan Moas — former subprime mortgage underwriter, financial advisor, and author of “Laps: The Universal Life Insurance Whistleblower” — to reveal why universal life (UL) policies often fall short and how life settlements provide a lucrative exit.  If your clients or loved ones hold life insurance policies that aren’t living up to their promises, life settlements may be the untapped resource they’ve been waiting for. Key Highlights: * Hidden Costs in UL Policies: Understand why UL policies often have escalating costs, leaving seniors struggling with unaffordable premiums * Common Policy Pitfalls: Discover how overly optimistic projections in UL policies lead to policy underperformance * The Benefits of Life Settlements: Learn how life settlements offer up to six times the cash surrender value, creating a valuable exit strategy * Comparing Whole Life vs. UL Policies: Explore the reliability of whole life policies, which provide guaranteed premiums, death benefits, and dependable cash value * Tips for Policyholders: Essential advice for those over 70 on reviewing, adjusting, or selling policies, including how to request enforced illustrations to avoid premium spikes * And much more! Connect with Mark Mrky:  * 954-326-9378 * 866-326-5433 Ext. 1017 * LinkedIn: Mark Mrky [https://www.linkedin.com/in/mark-mrky-b8540113] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] * markm@lisettlements.com  [MarkM@Life-Settlements.com] Connect with Rob Haynie: * 954-599-4433 * LinkedIn: Rob Haynie [https://www.linkedin.com/in/rob-haynie-08656b9] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] Connect with Elan Moas: * LinkedIn: Elan Moas [https://www.linkedin.com/in/elan-moas-b468301a3/] * Moas Consulting [https://moasconsulting.com/] * “LAPSED: The Universal Life Insurance Whistleblower” [https://www.amazon.com/LAPSED-Universal-Life-Insurance-Whistleblower-ebook/dp/B0CD9LYYGB?ref_=ast_author_dp] by Elan Moas About Our Guest:  With a deep background in financial advisory and underwriting, Elan Moas has become an advocate for policyholders’ rights and transparency within the life insurance industry. His work sheds light on the realities of UL policies and the critical need for policyholders to understand their options, especially as they age.

Analyzing Life Settlements from the Buyer’s and Investor’s Perspective with Jose Garcia (Ep. 9)

Life settlements represent a unique facet of the financial world, offering a secondary market for life insurance policies that benefit both policy sellers and institutional investors.  After selling these policies, some sellers may be concerned about their use.  This week, we want to address these concerns! In this episode, Mark Mrky and Rob Haynie sit down with Jose Garcia, Chief Executive Officer at Carlisle Management Company S.C.A., to explore the perspective of a buyer and investor of life settlements. They dive into the mechanics behind selling life insurance policies, the role of institutional investors, and the future of the life settlement industry. Jose discusses:  * The institutional framework of the life settlement industry and the role of providers and brokers * The process of raising capital for purchasing life insurance policies and the types of investors involved * The tracking and administration of sold policies, ensuring compliance and a smooth experience for both sellers and investors * The uncorrelated nature of life settlements as an investment asset and its appeal to sophisticated investors * The potential for growth in the life settlement industry and innovations such as securitizations and public offerings * The possibility of policies being resold to other institutional investors and the seamless process it entails for the original seller * And more! Connect with Mark Mrky:  * 954-326-9378 * 866-326-5433 Ext. 1017 * LinkedIn: Mark Mrky [https://www.linkedin.com/in/mark-mrky-b8540113] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] * markm@lisettlements.com  [MarkM@Life-Settlements.com] Connect with Rob Haynie: * 954-599-4433 * LinkedIn: Rob Haynie [https://www.linkedin.com/in/rob-haynie-08656b9] * Life Insurance Settlements, Inc [https://www.lisettlements.com/] Connect with Jose Garcia: * LinkedIn: Jose Garcia [https://www.linkedin.com/in/jose-garcia-160a366/?originalSubdomain=lu] * Carlisle Management Company [https://luxlf.com/] About Our Guest:  Having established a fifteen-year track record of success across several sectors of capital markets, including but not limited to emerging markets, structure finance, longevity markets, fund management, and investment structuring, Jose Garcia has most recently put his experience to work in structure finance and bringing investment solutions to investors looking to take advantage of alternative investments. Based in Luxembourg and recognizing that many of the financial market standards and traditional investment sectors are outdated, Jose is launching new investment vehicles utilizing alternative investments as underlying assets in accordance with the global trend for diversification from traditional financial markets.  Jose has served as Carlisle Financial Group’s Chairman and CEO since 2002, when the company was founded. During his tenure, Jose supervised the acquisition and implementation of a number of companies within financial markets. Carlisle’s two biggest investments were in emerging markets and longevity markets.