Built around the professional
Cases are introduced, owned, and closed alongside the advisor or attorney who brought them. We do not solicit the household, contact heirs, or place the client on a separate list. Ever.
Poel Life helps financial professionals find out what a client's life insurance is actually worth in today's secondary market — before it lapses, gets surrendered, or quietly disappears from the balance sheet.
Roughly nine of every ten in-force life policies will lapse or surrender before paying a claim. Most of those policies have a market price. Poel Life exists to find that price — and to share the work with the professional who already knows the client best.
Cases are introduced, owned, and closed alongside the advisor or attorney who brought them. We do not solicit the household, contact heirs, or place the client on a separate list. Ever.
Every bid, counter, and decline is captured in a single chronological file. When the policy owner, family, trustee, compliance officer, or surviving spouse asks how the number was reached, the answer is on one page.
A single intake reaches a curated panel of licensed institutional capital. We run the rounds, push the buyers, and present a side-by-side comparison rather than a single take-it-or-leave-it offer.
Send the carrier, face amount, product type, and the insured's date of birth. A preliminary range comes back within two business days. No medicals, no client meeting, no commitment to proceed.
Enter a handful of policy details and the calculator returns an estimated secondary-market range on the spot — no intake paperwork, no medical records, no commitment to proceed.
A real engagement isn't three bullet points on a homepage. Here is what actually happens between the day you mention a case and the day funds clear escrow — laid out so you can set client expectations honestly from the first conversation.
You share basic policy facts — carrier, product, face amount, and the insured's age. We return a preliminary valuation range within two business days. Nothing is requested from the client yet.
If the range is meaningful, the client signs appropriate documents. We collect in-force illustrations and medical records on the client's behalf.
The file goes to a curated buyer panel. Initial bids arrive, we negotiate, and we present a written comparison.
Closing documents are drafted, signatures collected, and ownership transferred at the carrier. Funds release from a regulated escrow agent directly to the client.
The candidacy bar is lower than most professionals expect. If the file you're holding meets these conditions, a preliminary valuation is almost always worth the two-day turnaround.
My client had paid premiums on a $3M UL for nineteen years. The carrier offered $112,000 to surrender. Poel ran an auction and we closed at $1.65M. I'm still recovering from how much value was sitting there.
The thing that won me over wasn't the offer. It was the closing binder — every bid, every counter, every email — handed to me before I even had to ask. My compliance team has never been less anxious about a file.
Two prior brokers told me the policy was untradeable. Poel had a verbal range from a buyer within thirty-six hours and a written offer the following week. I do not understand how the other two missed it.
A widow walked into my office with a survivorship policy she planned to drop the next month. We funded her assisted-living costs for the next fourteen years from the settlement proceeds instead. That is the case I tell every junior planner.
A collective of secondary market specialists dedicated to transparency and precision in every case we handle.
Send the basics. A preliminary range comes back inside two business days. If the number doesn't justify the conversation, we tell you that too — and you've lost nothing but an email.