OPEN LIFE SETTLEMENTS, LLC
MOUNT HOLLY, NC

Open Life Settlements is a life settlement broker with a distinctive philosophy. We believe that the ability to choose a life settlement is a fundamental property right to which all life insurance policy owners are entitled, and that all participants in the life insurance market benefit when policy owners make informed decisions that are right for their own needs. We are passionate about these beliefs, and they drive our entire approach to business. We are not salesmen with a product to peddle. We treat each engagement – large or small – with the same professional commitment to providing our clients unvarnished information, maximum value offers, and relentless dedication in solving problems. We are proud of the The superior results obtained by Open Life Settlements are not the result of chance. Our enduring advantage is a process that, while labor intensive, has been carefully constructed to maximize your policy’s market value. It begins with our thorough retrieval and review of the insured’s medical records, and our obtainment of multiple independent opinions regarding the insured’s life expectancy. It continues with valuation using our proprietary models, and the construction of cash flow illustrations that optimize the policy’s value. Then we submit your policy to the widest possible network of licensed buyers. Unlike most other brokers that work with only a subset of the market, we are a true independent broker that is able to engage all legally authorized purchasers to create an open bidding process, yielding intensive competition for your policy and the highest offers. The president of Open Life Settlements, LLC is Laurel C. Hoes, one of the nation’s most experienced life and viatical settlement brokers. Ms. Hoes has an unparalleled track record of successful transactions, including many involving unusual health conditions and complex corporate and trust ownership structures. She has particular expertise in viatical settlement transactions involving chronic or terminal medical issues. A 71-year-old male had two identical $5 million convertible term policies that were no longer needed. He gave one policy to Open Life Settlements to broker, and the other to a local insurance agency that claimed to have a special relationship with another broker. We obtained a net of $630,000 for the client, while the competing broker obtained an offer of only $275,000 for the identical policy. A family trust with a $3 million universal life policy on an 83-year-old female insured no longer wanted to pay the rapidly rising premiums on the policy. Although the insured was living abroad permanently, Open Life Settlements helped the trust sell its policy for a net of $550,000. A 58-year-old male suffering from metastatic cancer had an unneeded $1.5 million policy. After finding that he was ineligible for accelerated death benefits due to a projected life expectancy of several years, Open Life Settlements helped him sell his policy for a net of $930,000. A 71-year-old male had two expiring term policies totaling about $1.9 million. After determining that conversion was cost prohibitive due to annual premiums in excess of $80,000, the client planned to let the policies lapse. With the help of Open Life Settlements, the client instead sold the policies for a net of $105,000. Open Life Settlements prides itself on consumer satisfaction. Below is some of the feedback we have received from our many happy clients. Open Life Settlements is the nation’s premier life and viatical settlement broker. When you no longer want or need your life insurance policy, we can sell your policy for an immediate lump-sum cash payment. Leveraging the world’s largest network of life settlement funding, Open Life Settlements works to obtain the maximum possible offer for your policy from reputable buyers. Our process is transparent, thorough, respectful of your privacy, and fully escrowed. Best of all, we charge no fees or expenses to seek offers: our commission is paid directly from the proceeds of the transaction. There is no obligation to accept any offer, and no charge if you decline an offer for any reason. A life settlement will completely relieve you from premium payments and pay you cash that can be used for health care, retirement, education, or any other purpose you desire. All types of policies – even term life insurance that is nearing expiration – may be eligible. Call 866.877.4054 today to find out what Open Life Settlements can obtain for your policy, or use this site to find out more about the life settlement process, including how to get an anonymous, If you would like to consult with us regarding the market potential of your policy, or if you would simply like to learn more about the services of Open Life Settlements, please call us today toll-free at If you would like to consult with us regarding the market potential of your policy, or if you would simply like to learn more about the services of Open Life Settlements, please call us today toll-free at