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text_orientation=&#8221;center&#8221;]<\/p>\n<h1 style=\"text-align: center;\" data-font-backup=\"16\"><span data-font-backup=\"18\"><strong data-font-backup=\"44\"><span class=\"colorPicker\" data-font-backup=\"44\">What Is A<br data-font-backup=\"44\" \/>Life Settlement\u00a0<\/span><\/strong><\/span><\/h1>\n<p style=\"text-align: center;\">A life settlement transaction is the sale by the owner of a life insurance policy to a third party for an amount greater than its cash surrender value and less than the death benefit. 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horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<div class=\"droppableElementArea elements-control\" data-id=\"2076397\">\n<div class=\"elementWrapper\">\n<div class=\"textElem colorPicker responsiveFontWrapper\" contenteditable=\"false\">\n<h2 data-font-backup=\"18\"><span data-font-backup=\"18\"><strong data-font-backup=\"18\"><span class=\"colorPicker\" data-font-backup=\"30\">Should I Sell My Policy<\/span><\/strong><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"droppableElementArea elements-control\" data-id=\"10274312\">\n<div class=\"elementWrapper\">\n<div class=\"textElem colorPicker responsiveFontWrapper\" contenteditable=\"false\">\n<p data-font-backup=\"18\"><span data-font-backup=\"18\">Millions of American seniors are nervous about their retirement years and are\u00a0searching for financial security to help them pay medical expenses, rid\u00a0themselves of debt or just enjoy their golden years. 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horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<div class=\"droppableElementArea elements-control\" data-id=\"10010734\">\n<h1 class=\"elementWrapper\">Do I Qualify For A Life Settlement?<\/h1>\n<div>Many people are curious as to whether they qualify for a life settlement with their existing policy. There are two major qualifications:<\/div>\n<\/div>\n<div class=\"droppableElementArea elements-control\" data-id=\"8118024\">\n<div>\u00a0<\/div>\n<div>1. Your policy must have been in force for at least two years.<br data-font-backup=\"18\" \/>2. You have a life expectancy of 15 years or less.<\/div>\n<\/div>\n<div>\u00a0<\/div>\n<div>If both are true, then you have an excellent chance that buyers will be interested in your policy. 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To get you the best offer, we create an auction and allow all the interested licensed buyers to bid against each other for your settlement offer. This insures that you get top dollar for your policy.<br data-font-backup=\"18\" \/><br data-font-backup=\"18\" \/>The auction set up and the entire service is free to you. When its over, you can accept the highest bid or reject it. There is no obligation at all. 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body_quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<p>Just a quick note to thank you and your team for persevering and the hard work, making the sale of both policies a great success. Keeping me informed and on-track through the process was very<br \/>important to me.\u201d\u00a0 &#8211; K.J.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; custom_padding__hover=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221;][et_pb_blurb _builder_version=&#8221;4.27.4&#8243; title=&#8221;It Was A Pleasure&#8221; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; image_icon_width_tablet=&#8221;101px&#8221; box_shadow_horizontal_image_tablet=&#8221;0px&#8221; box_shadow_vertical_image_tablet=&#8221;0px&#8221; box_shadow_blur_image_tablet=&#8221;40px&#8221; box_shadow_spread_image_tablet=&#8221;0px&#8221; text_shadow_horizontal_length=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_shadow_vertical_length=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_shadow_blur_strength=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length=&#8221;header_text_shadow_style,%91object Object%93&#8243; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length=&#8221;header_text_shadow_style,%91object Object%93&#8243; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength=&#8221;header_text_shadow_style,%91object Object%93&#8243; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_text_shadow_horizontal_length=&#8221;body_text_shadow_style,%91object Object%93&#8243; body_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_text_shadow_vertical_length=&#8221;body_text_shadow_style,%91object Object%93&#8243; body_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_text_shadow_blur_strength=&#8221;body_text_shadow_style,%91object Object%93&#8243; body_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_link_text_shadow_horizontal_length=&#8221;body_link_text_shadow_style,%91object Object%93&#8243; body_link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_link_text_shadow_vertical_length=&#8221;body_link_text_shadow_style,%91object Object%93&#8243; body_link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_link_text_shadow_blur_strength=&#8221;body_link_text_shadow_style,%91object Object%93&#8243; body_link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_ul_text_shadow_horizontal_length=&#8221;body_ul_text_shadow_style,%91object Object%93&#8243; body_ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_ul_text_shadow_vertical_length=&#8221;body_ul_text_shadow_style,%91object Object%93&#8243; body_ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_ul_text_shadow_blur_strength=&#8221;body_ul_text_shadow_style,%91object Object%93&#8243; body_ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_ol_text_shadow_horizontal_length=&#8221;body_ol_text_shadow_style,%91object Object%93&#8243; body_ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_ol_text_shadow_vertical_length=&#8221;body_ol_text_shadow_style,%91object Object%93&#8243; body_ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_ol_text_shadow_blur_strength=&#8221;body_ol_text_shadow_style,%91object Object%93&#8243; body_ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_quote_text_shadow_horizontal_length=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_quote_text_shadow_vertical_length=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_quote_text_shadow_blur_strength=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<p>\u201cIt has been a pleasure to work with professional people who know their business and follow up and follow through! Thank you for your assistance in this matter. 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Saying thank you just doesn\u2019t feel like enough. You gave us a new beginning where I didn\u2019t see much of a future. I am forever grateful!\u201d\u00a0 E.A.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; background_color=&#8221;#e09900&#8243; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;][et_pb_column type=&#8221;4_4&#8243; custom_padding__hover=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221;][et_pb_heading _builder_version=&#8221;4.27.4&#8243; title=&#8221;FREE CONSULTATION &#038; REVIEW &#8211; CALL TODAY!&#8221; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; text_shadow_horizontal_length=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_horizontal_length_tablet=&#8221;0px&#8221; 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box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<h2 data-font-backup=\"18\"><span data-font-backup=\"18\"><span style=\"color: #3399cc;\" data-font-backup=\"30\"><b data-font-backup=\"30\">Why Use Our Firm?<\/b><\/span><\/span><\/h2>\n<p>There are many reasons to use Nottingham Life Settlements for your life settlement.<\/p>\n<p>1. First, we represent only <strong data-font-backup=\"18\"><u data-font-backup=\"18\">you<\/u><\/strong>.<br data-font-backup=\"18\" \/><br data-font-backup=\"18\" \/>2. We maximize the amount you can get for your policy by setting up an auction that lets\u00a0all of the licensed buyers bid on it.<br data-font-backup=\"18\" \/><br data-font-backup=\"18\" \/>3. We do all of this at no cost or obligation to you.<br data-font-backup=\"18\" \/><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=&#8221;1&#8243; specialty=&#8221;off&#8221; prev_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.27.4&#8243; background_color=&#8221;#16a02f&#8221; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; next_background_color=&#8221;#ffffff&#8221;][et_pb_row][et_pb_column type=&#8221;1_2&#8243; custom_padding__hover=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221;][et_pb_video _builder_version=&#8221;4.27.4&#8243; src=&#8221;https:\/\/vimeo.com\/325100660?share=copy#t=0&#8243; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; 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header_3_text_shadow_blur_strength=&#8221;header_3_text_shadow_style,%91object Object%93&#8243; header_3_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_4_text_shadow_horizontal_length=&#8221;header_4_text_shadow_style,%91object Object%93&#8243; header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length=&#8221;header_4_text_shadow_style,%91object Object%93&#8243; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength=&#8221;header_4_text_shadow_style,%91object Object%93&#8243; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length=&#8221;header_5_text_shadow_style,%91object Object%93&#8243; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length=&#8221;header_5_text_shadow_style,%91object Object%93&#8243; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength=&#8221;header_5_text_shadow_style,%91object Object%93&#8243; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243; text_text_color=&#8221;#ffffff&#8221; background_layout=&#8221;dark&#8221; header_text_color=&#8221;#ffffff&#8221;]<\/p>\n<h2>About Richard Nottingham<\/h2>\n<div>\u00a0<\/div>\n<h3>Richard has been a Financial Services Professional for 43\u00a0years and since 2002 has\u00a0been actively involved in negotiating life settlements, always representing the seller.\u00a0<\/p>\n<p>Many of the Trusts and Estates attorneys in Hampton Roads know him\u00a0as the \u201cgo-to\u201d person for these transactions.\u00a0He is also approved in VA to teach a 1 hour CLE course on the subject (the curriculum being created by the Life Insurance Settlement Association) and has\u00a0taught the course at most of the major law firms in the Hampton Roads area.\u00a0 He has also appeared in Bankruptcy courts as an expert witness, in cases where the court must grant approval for a life settlement transaction to be completed (when the policy owner\/seller is going through bankruptcy).<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=&#8221;1&#8243; 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header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength=&#8221;header_5_text_shadow_style,%91object Object%93&#8243; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<p style=\"text-align: center;\" data-font-backup=\"16\"><span data-font-backup=\"16\">Life Settlements have become a very acceptable solution for unwanted policies over the last 20 years. 44\u00a0states plus Puerto Rico (Virginia is one) regulate these transactions to provide confidential and very safe outcomes for policy sellers.<\/span><\/p>\n<p style=\"text-align: center;\" data-font-backup=\"16\"><span data-font-backup=\"16\">The National Association of Insurance Commissioners has officially endorsed life settlements as an appropriate strategy to raise funds for long term care (LTC) expenses.<\/span><\/p>\n<p style=\"text-align: center;\" data-font-backup=\"16\"><span data-font-backup=\"16\">I have completed many life settlements over the last 16 years, creating over $11,000,000 in FOUND $$ for clients (difference in policy CSV as compared to net proceeds to sellers from a settlement transaction). I\u2019ve never had a complaint or dissatisfied client.\u00a0Instead, we get comments like the following\u2026<\/span><\/p>\n<p style=\"text-align: center;\" data-font-backup=\"16\"><span data-font-backup=\"16\">\u201cIt has been a pleasure to work with professional people who know their business and follow up and follow through! Thank you for your assistance in this matter. We will recommend you to any and all who ask!\u201d<\/span><\/p>\n<p style=\"text-align: center;\" data-font-backup=\"16\"><br data-font-backup=\"16\" \/><span data-font-backup=\"16\">And\u2026<\/span><\/p>\n<p style=\"text-align: center;\" data-font-backup=\"16\"><br data-font-backup=\"16\" \/><span data-font-backup=\"16\">\u201cI went into our bank account yesterday, saw it actually right after returning from church service\u2014it just shows how good God is and how He brings people into our lives when we need them. Thank you!<br data-font-backup=\"18\" \/><br data-font-backup=\"18\" \/>Bring us your policy and let our team help you get the best result for your particular situation.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=&#8221;1&#8243; fullwidth=&#8221;off&#8221; specialty=&#8221;off&#8221; prev_background_color=&#8221;#000000&#8243; inner_width=&#8221;auto&#8221; inner_max_width=&#8221;1080px&#8221; next_background_color=&#8221;#e09900&#8243;][et_pb_row][et_pb_column type=&#8221;2_5&#8243; custom_padding__hover=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221;][et_pb_image _builder_version=&#8221;4.27.4&#8243; src=&#8221;https:\/\/lab10.avstestlab.com\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-04-134223.jpg&#8221; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; 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header_4_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_4_text_shadow_vertical_length=&#8221;header_4_text_shadow_style,%91object Object%93&#8243; header_4_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_4_text_shadow_blur_strength=&#8221;header_4_text_shadow_style,%91object Object%93&#8243; header_4_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_5_text_shadow_horizontal_length=&#8221;header_5_text_shadow_style,%91object Object%93&#8243; header_5_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_5_text_shadow_vertical_length=&#8221;header_5_text_shadow_style,%91object Object%93&#8243; header_5_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_5_text_shadow_blur_strength=&#8221;header_5_text_shadow_style,%91object Object%93&#8243; header_5_text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_6_text_shadow_horizontal_length=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_6_text_shadow_vertical_length=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_6_text_shadow_blur_strength=&#8221;header_6_text_shadow_style,%91object Object%93&#8243; header_6_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<h2 data-font-backup=\"30\"><span data-font-backup=\"32\"><b data-font-backup=\"32\">Don\u2019t Fall For These Marketing Myths<\/b><\/span><\/h2>\n<p>Life Settlements Are Not Safe or Legal.<\/p>\n<p>Don&#8217;t get confused by what you may read on other websites or blogs: life settlement transactions are highly regulated and have been upheld by numerous court decisions as perfectly legal and appropriate. In fact, there has\u00a0been only one\u00a0consumer complaint\u00a0nationwide involving life settlements since 2013, according to the National Association of Insurance Commissioner&#8217;s Consumer Information Source.\u00a0<\/p>\n<p>All Buyers Are The Same and Will Make The Same Offer.<\/p>\n<p>This is definitely not the case. Each buyer\u00a0will do its\u00a0own research as to the value of the policy and your health and make a offer. You can be sure that even if it&#8217;s more than the cash value of the policy, it is not their best offer. We set up an auction among all qualified and interested buyers and allow them to bid on your policy. This assures that you get top dollar for your policy and not what one company may hope you will settle for.. There is no obligation and the process is FREE so call today.<span data-font-backup=\"18\">\u00a0<\/span>\u00a0<\/p>\n<p>I Can Easily Handle This Myself.<\/p>\n<p><span data-font-backup=\"18\">While it is true that you can call a company and get an offer from them, it will not be their best offer. Our process assures you that multiple interested buyers will be bidding on your policy. Putting together an auction like this is no easy task but we are very good at it. You have one shot at doing this right and getting the best pay out possible, don&#8217;t do it alone. Call us today for a FREE consultation.<\/span><span data-font-backup=\"18\">\u00a0<\/span>\u00a0<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; specialty=&#8221;off&#8221; prev_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.27.4&#8243; next_background_color=&#8221;#ffffff&#8221; background_color=&#8221;#e09900&#8243; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; background_image=&#8221;https:\/\/lab10.avstestlab.com\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-04-134503-scaled.jpg&#8221;][et_pb_fullwidth_image _builder_version=&#8221;4.27.4&#8243; src=&#8221;https:\/\/lab10.avstestlab.com\/wp-content\/uploads\/2025\/09\/Screenshot-2025-09-04-134503-scaled.jpg&#8221; 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body_quote_text_shadow_horizontal_length=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_quote_text_shadow_vertical_length=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_quote_text_shadow_blur_strength=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<p>I have worked with Dick on several occasions regarding life settlements for my clients.\u00a0 He has been relentless in his efforts to obtain the best results for the clients.\u00a0 He was able to get a $295,000 payment to my client on a $1,000,000 term policy.\u00a0 Amazing.\u00a0 I highly recommend Dick for Life Settlements. Todd Preti<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; custom_padding__hover=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221;][et_pb_blurb _builder_version=&#8221;4.27.4&#8243; title=&#8221;Many Thanks&#8221; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; image_icon_width_tablet=&#8221;101px&#8221; box_shadow_horizontal_image_tablet=&#8221;0px&#8221; box_shadow_vertical_image_tablet=&#8221;0px&#8221; box_shadow_blur_image_tablet=&#8221;40px&#8221; box_shadow_spread_image_tablet=&#8221;0px&#8221; text_shadow_horizontal_length=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_horizontal_length_tablet=&#8221;0px&#8221; text_shadow_vertical_length=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_vertical_length_tablet=&#8221;0px&#8221; text_shadow_blur_strength=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_blur_strength_tablet=&#8221;1px&#8221; header_text_shadow_horizontal_length=&#8221;header_text_shadow_style,%91object Object%93&#8243; header_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; header_text_shadow_vertical_length=&#8221;header_text_shadow_style,%91object Object%93&#8243; header_text_shadow_vertical_length_tablet=&#8221;0px&#8221; header_text_shadow_blur_strength=&#8221;header_text_shadow_style,%91object Object%93&#8243; header_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_text_shadow_horizontal_length=&#8221;body_text_shadow_style,%91object Object%93&#8243; body_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_text_shadow_vertical_length=&#8221;body_text_shadow_style,%91object Object%93&#8243; body_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_text_shadow_blur_strength=&#8221;body_text_shadow_style,%91object Object%93&#8243; body_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_link_text_shadow_horizontal_length=&#8221;body_link_text_shadow_style,%91object Object%93&#8243; body_link_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_link_text_shadow_vertical_length=&#8221;body_link_text_shadow_style,%91object Object%93&#8243; body_link_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_link_text_shadow_blur_strength=&#8221;body_link_text_shadow_style,%91object Object%93&#8243; body_link_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_ul_text_shadow_horizontal_length=&#8221;body_ul_text_shadow_style,%91object Object%93&#8243; body_ul_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_ul_text_shadow_vertical_length=&#8221;body_ul_text_shadow_style,%91object Object%93&#8243; body_ul_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_ul_text_shadow_blur_strength=&#8221;body_ul_text_shadow_style,%91object Object%93&#8243; body_ul_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_ol_text_shadow_horizontal_length=&#8221;body_ol_text_shadow_style,%91object Object%93&#8243; body_ol_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_ol_text_shadow_vertical_length=&#8221;body_ol_text_shadow_style,%91object Object%93&#8243; body_ol_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_ol_text_shadow_blur_strength=&#8221;body_ol_text_shadow_style,%91object Object%93&#8243; body_ol_text_shadow_blur_strength_tablet=&#8221;1px&#8221; body_quote_text_shadow_horizontal_length=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_horizontal_length_tablet=&#8221;0px&#8221; body_quote_text_shadow_vertical_length=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_vertical_length_tablet=&#8221;0px&#8221; body_quote_text_shadow_blur_strength=&#8221;body_quote_text_shadow_style,%91object Object%93&#8243; body_quote_text_shadow_blur_strength_tablet=&#8221;1px&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;]<\/p>\n<p>\u201cI want to thank you so very much for helping me to monetize my life insurance policy. You and your<br \/>colleagues were superb in plotting out a strategy that culminated at a level of success beyond our most optimistic expectations. Your knowledge and service were so impressive. Many thanks!\u201d\u00a0 R..<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; background_color=&#8221;#e09900&#8243; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; box_shadow_horizontal_tablet=&#8221;0px&#8221; box_shadow_vertical_tablet=&#8221;0px&#8221; box_shadow_blur_tablet=&#8221;40px&#8221; box_shadow_spread_tablet=&#8221;0px&#8221; vertical_offset_tablet=&#8221;0&#8243; horizontal_offset_tablet=&#8221;0&#8243; z_index_tablet=&#8221;0&#8243;][et_pb_column type=&#8221;4_4&#8243; custom_padding__hover=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221;][et_pb_heading _builder_version=&#8221;4.27.4&#8243; title=&#8221;Contact Us Today At 757-271-3026&#8243; background_pattern_color=&#8221;rgba(0,0,0,0.2)&#8221; background_mask_color=&#8221;#ffffff&#8221; text_shadow_horizontal_length=&#8221;text_shadow_style,%91object Object%93&#8243; text_shadow_horizontal_length_tablet=&#8221;0px&#8221; 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