1908 Advisors enables wealth management professionals to confidently and efficiently monetize the life insurance that older HNW/UHNW clients no longer want or need — delivering institutional-quality price discovery, complete transparency, and materially better outcomes - financial and psychic - than the incumbent channel.

The problem we solve: 90% of HNW/UHNW clients whose policies are lapse or surrendered never know a settlement was possible. The 10% who do pursue a sale are typically subjected to opaque broker negotiations, ineffective price discovery, egregious commissions (~30%), and a process that takes 130+ days. Neither outcome is acceptable for a fiduciary advisor.

How we're different: We conduct a disciplined, competitive blind auction among 10+ Providers that access 20+ institutional buyers — a process designed around how capital actually values life insurance, not the fundamentally flawed broker or single buyer approach. 

The result: winning bids that average 1.3x the broker's high bid, net proceeds that average 1.8x (combination of higher winning bid and lower fee), and funding in under 60 days.

Who we work with: We are trusted partners to 12+ top-50 RIAs, private banks, trust companies, and fiduciary life insurance professionals — with 100% of clients engaging us more than once.

Our model: Simple. Straightforward. Built for advisors. A level of sophistication and service equivalent to what you deliver.

7.5% fee (minimum $12,500) — (we will work with life insurance producers to model equitable compensation)
Policy assessment within 2 days of receiving an in-force illustration (likelihood of market interest)
Actionable bids in 15 days of creation of case file (policy, illustration, medical records, HIPPA release). 
Funded in 60.

If your clients own life insurance whose utility is not sufficient to justify maintaining it, we can help you turn it into a high-value service win and organic AUM growth for you and your firm.

1908 Advisors

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1908 Advisors

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