Life insurance is a great way to protect your loved ones and/or business, but sometimes life changes.In retirement, premiums can stretch your budget beyond your means, and you risk losing your entire investment if you don't pay your premiums. Cost of insurance increases on most universal life plans, and if you mismanage your cash value account you can find yourself having to pay 3x - 5x in premium just to keep the policy in force.Other times you don't really need the coverage anymore but are stuck in a contract for life. In these situations if the insured is age 65+, they have the opportunity get back some if not all of their investment in life insurance by selling the policy to a 3rd party investor, known as a Life Settlement. As a life settlement broker, I create this option by bringing your case to market and negotiating for the highest offer. Clients then decide whether or not they want to take it. This is a multi billion dollar industry with many institutional investors, so it's always advised to get more than 1 offer, and I can help you get several to ensure you're getting paid the most for your policy.I first became passionate about life settlements when my grandfather needed to do a settlement. We got him over 60% of his death benefit.Recently we helped an 81 yr old woman who's premiums had increased to $140k a year! We found an investor willing to buy her out of the policy and continue the premiums while she got most of her investment back.In other cases we've had several clients with term policies that were about to end, and were able to get them $10k - $15k to convert their term and the investor took over the new universal life conversion policy. The clients were just going to let their term end and throw it in the garbage, but received payouts instead! I love educating life agents and clients about this opportunity and always happy to provide quick feedback on a potential case.

Hi help people navigate the health insurance and life insurance markets, offering insider knowledge and tools to help you make the best decision for your situation. Life and Health Agent - License: 0M60573

Manage West Coast Sales team and largest revenue territory focusing on Entertainment and Auto verticals for direct sold with high impact display and branded content executions. Also established programmatic inventory deals across agencies, trading desks, and direct clients.

Grew account list 50% YOY by winning new business and growing existing accounts. Active clients across Entertainment, Auto, Retail, Financial, Travel, and Motorsport verticals. Products sold included premium data, display, mobile, video, rich media, FBX, TV Accelerator.

Established first west coast digital sales presence. Evangelized the value of digital audio with the largest collection of online radio partners. Activated clients across Retail, Auto, Finance, Electronics.

Build presence of ad pepper in West Coast market with clients including Travel, Healthcare, Auto, and Retail.

Sold CarsDirect.com to auto veritcle with partners including: Honda, Acura, Nissan, Infiniti, Toyota, Lexus, Mazda, Landrover, Jaguar, VW, Hyundai, Kia

Developed, recommended, and managed national and local media plans for Volkswagen and Shell accounts. Strategies included branding, endemic, and performance based media.