LAKE COUNTY ESTATE PLANNING COUNCIL

    Join us for an insightful presentation led by Scott Etish, Director of Strategic Partnerships at Coventry First, as he explores the transformative potential of the secondary market for life insurance. Life settlements offer policyowners a powerful financial tool—providing a cash payout that often far exceeds a policy’s surrender value. For clients with policies that are no longer needed, wanted, or affordable, a life settlement can unlock hidden value and deliver newfound financial flexibility. This opportunity is especially relevant for high-net-worth individuals and business owners navigating evolving estate plans or shifting business needs.

Highlights of the presentation include:
✅ Legal and Fiduciary Considerations - Understand your ethical and professional responsibilities when evaluating life settlements and how to protect clients’ best interests.
✅ Tax Implications and Planning Opportunities - Explore the tax impact of life settlements—and how the upcoming sunset of the Tax Cuts and Jobs Act could reshape estate and tax strategies.
✅ Navigating the Secondary Market - Gain insight into how policies are valued, what drives pricing, and strategies to help clients maximize settlement offers.
✅ Business-Owned Life Insurance - Learn how companies can create liquidity through life settlements when financial goals shift or key-person coverage is no longer essential.
✅ Risk Mitigation for Fiduciaries - Discover how regular policy reviews and expert policy appraisals can help fiduciaries fulfill their duty of care and avoid missed opportunities.

Whether you’re advising a client on estate planning, business succession, or premium management, life settlements are critical to consider before lapsing or surrendering a policy.

About Speaker

Scott Etish - Director, Strategic Partnerships, Coventry

Scott Etish is Director, Strategic Partnerships at Coventry, where he works with attorneys and fiduciaries who advise high-net-worth clients on complex estate and financial planning matters. Mr. Etish specializes in helping legal and financial professionals unlock the hidden value of their clients’ unneeded life insurance policies, providing alternatives to a policy surrender or lapse that can generate liquidity, reduce premium burdens, and enhance wealth transfer strategies.

Mr. Etish is a frequent speaker at estate planning councils and bar associations, where he teaches attorneys and fiduciaries that life insurance is a valuable asset that can be sold, and how Advisors can integrate life settlements into their practice to better serve high-net-worth individuals and families. His presentations offer practical guidance on identifying life settlement opportunities and how Advisors can help their clients maximize the value of their life insurance assets.

Before joining Coventry, Mr. Etish was a Partner at Gibbons P.C., where he spent nearly 17 years advising clients on complex business disputes. He began his legal career as a law clerk for an Associate Justice of the Supreme Court of New Jersey. Mr. Etish holds a Juris Doctor from Rutgers University Law School and a Bachelor of Arts from Wesleyan University’s Science in Society Program.