How It Works

OptimumLife^SM allows Rumson Capital to respond quickly with competitive, accurate quotes. Using OptimumLife^SM, Rumson Capital professionals are able to assess the market value of a life insurance policy, both currently and in the future, using today’s mortality, economic and regulatory assumptions.

OptimumLife^SM software is coupled with analysis by Rumson Capital’s in-house medical underwriters and financial analysts. How much you receive for your policy will depend on a number of factors, including:

• Age
• Premiums
• Overall physical health
• Type of policy
• Insurance company rating
• Policy size
• Competitive bidding

Once Rumson Capital receives a completed life settlement application, along with the appropriate medical and insurance information, it usually takes 72 hours for us to determine the current market value of your policy. This value may be substantially greater than the policy’s cash surrender value.

Rumson Capital professionals work closely with financial advisors by offering full disclosure, paying top commissions and effectively managing policies. Working with a large number of purchasers helps us get an aggressive and fair price for your policy. If and when an offer comes in, OptimumLife^SM allows Rumson Capital to more accurately assess if the offer is initially viable and fair, based on life expectancy and mortality rates.

Learn more about the advantages of OptimumLife ^SM.
For a printable application, click here.