The Best Kept Money Secret in Your Insurance Policy

What Life Insurance Companies Won't Tell You (But Every Attorney, CPA, Nonprofit, Trustee, Advisor, and Policy Holders Should Know). Click on the button below to download the free E-Book today!


Your Insurance Company Doesn’t Want You to Know...


Dr. Perman was so grateful we were able to avoid a catastrophic tax bill for a loan from the carrier to pay his premiums that would ultimately cause his policy to crash. We avoided a $100,000 tax bill, saved $75,000 in future premiums he would have to pay, and were able to maintain the coverage with NO further premium! Be aware if you are borrowing on a whole life policy and paying exorbitant loan charges.

The dirty little secret is 90% of policies lapse before paying the death benefit.

The pandemic has caused most insurance carriers to make many unfavorable changes on both new and existing policies including increased insurance costs and decreased crediting rates.

Policy performance reviews are critical to being able to maximize your policy values.

Do you wonder if your policy is performing as predicted when you bought it? Schedule a free consultation with David Kottler today.

Dusty Staub Profile Photo

David Kottler, The Life Insurance Doctor, has helped dozens of clients to maximize the value of their life policies.

Are you having a difficult time meeting all your current expenses? Or, perhaps you’d like to find some hidden cash you didn’t even know you had?

If that's a yes then look no further – especially if you think you do not want or need your policy anymore.

With our free and secured Life Insurance Value Calculator, discover the hidden value of your policy and get an instant and secure estimate of its “death benefit” that is available to you now — while you are alive!

Our team of financial experts and insurance brokers have converted over $6 billion worth of death benefit policies to cash in the last 12 years.


Client Settlement Testimonials

Ilise S. from Florida got a $125,000 payout from her $500,000 death benefit policy, which she used to keep up with her daily living expenses.

Barbara M. from California got a $265,000 payout from her $900,000 death benefit policy, which she used to buy life-saving drugs and pay down her medical bills.

Will H. had a $500,000 death benefit policy that he could not afford anymore. He was diagnosed with Leukemia and although it was stable he still needed some treatment for it. We were able to get him $105,000 for his policy.

executive team meeting

Here’s how we do it: by accessing the full buying market for policies of interest vs. going to a limited number of selected buyers. Life insurance policies are difficult to understand and often contain hidden cash that insurance companies don’t want you to find.

seminar program

But here at Life Insurance Doctor, we strive to simplify the life settlement process with a transparent, fast, and easy method of getting the most value out of your policy. Beginning with a free and secured estimation of the value of your policy, generated for you in less than 10 seconds.

We are not direct buyers. We operate as brokers so our interests align perfectly with our clients in order to get them top dollar payouts.


Policy Payout Comparisons

Check out some of the policy payouts that we have generated for past clients compared to estimates they had received previously from other insurance brokers!

Scenario 1

Gender: Female

Age: 84

Health Status: Poor Health

Death Benefit Payout: $2,000,000

Annual Premiums: $70,000





Scenario 2

Gender: Male

Age: 80

Health Status: Healthy

Death Benefit Payout: $500,000

Annual Premiums: $10,000





Scenario 3

Gender: Female

Age: 80

Health Status: Poor Health

Death Benefit Payout: $750,000

Annual Premiums: $30,000





Have the Insurance Dr. give your policy a check-up.

Unfortunately, change happens and many life insurance policies don’t perform as predicted when you bought it. Set up a chat today to ensure your policy is working as well as possible and is performing as promised.

Dusty Staub Profile Photo

David has helped clients generate over $10MM of cash and tax benefits in the past 12 months utilizing his “True Value” Life Insurance Review Process. Clients need advocates for their life insurance portfolios to bring them the needed information regarding their rights and values as well as uncovering hidden problems and resolving them. Life insurance is a complicated contract with many nuances most clients and advisors are not aware of. He is honored and humbled to be in a position to help such clients and enable them to meet their family and legacy goals through his work.

David Kottler, J.D.

Founder of The Life Insurance Doctor

Meet The Team

Geoff is the Managing Director at Genesis. Geoff is responsible to ensure that the best opportunity is procured on every case brought to market and uses his extensive leveraging strategies to assure that goal is accomplished. Through his knowledge of market capital, his outside the box approach and stellar relationships with funding managers, Geoff has been able to obtain offers and close some of the hardest cases in the industry, cases even providers believed were not feasible.

Geoffrey Gottesman

Managing Director of Genesis Life Asset Advisors, LLC

Philip L. Schwartz is a partner at the Law Offices of Schwartz | White who has dedicated his decades-long career to creating family law and divorce strategies and solutions. He strives to achieve the best possible results for each client based upon their specific needs by encouraging his clients to participate fully in the strategy, preparation, and execution of their cases, while helping them make informed decisions to achieve their desired outcomes. His years of practice and comfort in the courtroom make him a staunch advocate for his clients and a fierce opponent in the litigation arena.

Philip L. Schwartz, Esq.

Founder and Partner at Schwartz-White, Attorneys at Law

Schedule a Chat Today!

Set up a chat today to ensure your policy is working as well as possible and is performing as promised.

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