Connect ValuLife™ quotes, policy intake and broker case data to your stack — under explicit client authorization
ValuLife™, launched by Bridge Insurance Group, was the first mobile app dedicated to the life settlement and viatical market. The app generates cash-value estimates for senior-owned term, whole and universal life policies, then routes qualified cases through a broker network of life settlement providers. Behind that consumer experience sits a rich graph of policy, health and bid data that has clear OpenFinance integration value.
- Valuation data: instant cash-estimate output, life expectancy factor, present-value assumptions and offer ranges.
- Policy intake fields: face amount, premium schedule, carrier, policy type (term / whole / universal), insured age and health bucket.
- Broker case state: submission, underwriting, multi-provider bidding, accepted offer, 15-Day Lookback Period and close-out.
What we deliver for ValuLife integrations
Deliverables checklist
- OpenAPI 3.1 specification covering quote, policy, case and broker endpoints.
- Protocol & auth flow report (token issuance, refresh, anti-replay nonces, certificate pinning notes).
- Runnable Python and Node.js source for quote intake, case sync and webhook ingestion.
- Postman / Bruno collections plus pytest / Jest harnesses with sandbox fixtures.
- Compliance pack: HIPAA/PHI handling notes, state life-settlement statute mapping, NAIC Viatical Settlements Model Act alignment.
- Deliverable timeline: source code from $300; pay after delivery upon satisfaction.
Why ValuLife data matters
Life settlements are a growing slice of the US secondary insurance market. According to the Life Insurance Settlement Association and reporting from the actuarial press, more than $4 billion in face value of policies is sold each year, and 43 US states plus Puerto Rico now regulate the transaction. Programmatic access to quote data, policy intake and bid history lets advisors, BGAs and institutional buyers benchmark offers, route cases efficiently, and produce auditable records that satisfy state Departments of Insurance.
Data available for integration (OpenData perspective)
The table below summarises the data domains we typically extract or expose for ValuLife™ integrations. Granularity is described per domain so engineering teams can scope ingestion volume and schema design upfront.
| Data type | Source (in-app screen / feature) | Granularity | Typical use |
|---|---|---|---|
| Instant valuation result | ValuLife™ cash-estimate calculator | Per-quote: low / mid / high estimate + life expectancy factor | Advisor dashboards, lead scoring, internal benchmarking |
| Policy intake data | Policy questionnaire (carrier, type, face, premium) | Field-level structured JSON | Underwriting prefill, CRM enrichment, secondary-market screening |
| Insured profile | Senior / critical illness questionnaire | Age band, gender, health rating, smoker flag | Mortality modelling, viatical eligibility checks |
| Broker case lifecycle | ValuLife™ Pro case timeline | Event-level: submitted, in underwriting, bid, offer, closed | Pipeline reporting, SLA tracking, cycle-time KPIs |
| Provider bids | Multi-provider auction results | Per-provider bid amount + timestamp + High Life Guarantee™ flag | Best-offer audit trail, fiduciary documentation |
| 15-Day Lookback & closeout | Post-transaction lookback workflow | Case status, lookback start/end, rescission flag | Compliance evidence, customer protection reporting |
| Tax & LTC notes | Tax / Long-Term Care information module | Reference content + per-case tax flag | Accountant (CPA) handoff, estate planning records |
Typical integration scenarios
1. Advisor CRM enrichment
Context: A wealth-management firm wants every senior client review to surface a current life-settlement valuation alongside investment and annuity holdings.
Data / API: ValuLife™ quote engine + policy intake; results pushed to Salesforce Financial Services Cloud or Wealthbox via webhook.
OpenFinance mapping: Treats the in-force policy as a tradable financial asset; valuation is normalised into the same OpenFinance "asset position" envelope used for brokerage holdings.
2. BGA case routing & auction
Context: A broker general agency needs to route incoming policies to up to a dozen life settlement providers in parallel and capture the best offer.
Data / API: ValuLife™ Pro case lifecycle endpoints + provider bid history; orchestrated via a queue with idempotent submission and status webhooks.
OpenFinance mapping: Mirrors the OpenBanking "consent + initiation + status" pattern; the policy owner authorises the broker network and each provider response is recorded as an immutable bid event.
3. Viatical workflow for critical-illness applicants
Context: A specialist agent works with terminally ill clients who need accelerated cash. The ValuLife™ viatical pathway must be exposed to a dedicated triage UI.
Data / API: Critical-illness intake + viatical valuation; HIPAA-grade transport for medical fields; tax-treatment flags surfaced to the client's CPA.
OpenFinance mapping: Combines OpenData (sensitive health fields, scoped consent) with OpenFinance (cash settlement, payout instruction).
4. Estate planning & CPA integration
Context: An estate planning attorney consolidates a senior's policies into a trust. Their accountant needs the post-settlement cash treatment and basis breakdown.
Data / API: Closed-case payload (offer, fees, net proceeds, lookback status) exported to a tax engine such as Drake or UltraTax via signed CSV bundles.
OpenFinance mapping: Acts as a settlement-statement export, similar to a 1099-B feed for brokerage trades.
5. Institutional buyer analytics & surveillance
Context: An institutional life settlement fund wants near-real-time visibility into deal flow originated through ValuLife™-powered brokers.
Data / API: De-identified case stream (policy class, face range, age band, bid spread) + High Life Guarantee™ outcome.
OpenFinance mapping: Deal-flow telemetry analogous to OpenBanking transaction surveillance — supports pricing models, concentration limits and fund-level compliance reporting.
Technical implementation
1. Quote engine — instant valuation
POST /api/v1/valulife/quote
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>
X-Idempotency-Key: 8e7c…b21
{
"insured": {
"age": 72, "gender": "M",
"health_rating": "standard",
"smoker": false,
"critical_illness": false
},
"policy": {
"carrier": "MetLife",
"type": "universal",
"face_amount_usd": 750000,
"annual_premium_usd": 9800,
"issue_year": 2009
}
}
200 OK
{
"quote_id": "q_01HF…",
"estimate_low_usd": 78000,
"estimate_mid_usd": 114500,
"estimate_high_usd": 162000,
"life_expectancy_months": 138,
"high_life_guarantee": true,
"next_step": "submit_case"
}
2. Case lifecycle & bid history
GET /api/v1/valulife/cases/{case_id}
Authorization: Bearer <ACCESS_TOKEN>
200 OK
{
"case_id": "c_01HG…",
"status": "offer_received",
"lookback": { "active": true, "ends_at": "2026-05-22" },
"bids": [
{ "provider": "prov_a", "amount_usd": 132000, "ts": "2026-05-04T15:11Z" },
{ "provider": "prov_b", "amount_usd": 141500, "ts": "2026-05-05T09:02Z" },
{ "provider": "prov_c", "amount_usd": 158900, "ts": "2026-05-06T12:48Z",
"high_life_guarantee": true }
],
"fiduciary_note": "Best offer selected per fiduciary promise."
}
3. Webhook — offer-received
POST https://your-app.example.com/hooks/valulife
X-ValuLife-Signature: t=1715250000,v1=…
Content-Type: application/json
{
"event": "offer.received",
"case_id": "c_01HG…",
"offer": {
"provider": "prov_c",
"amount_usd": 158900,
"expires_at": "2026-05-12T23:59:59Z"
},
"lookback_starts_at": "2026-05-07"
}
// Verify HMAC-SHA256 with shared secret before trusting the payload.
// Reject events older than 5 minutes to mitigate replay attacks.
Compliance & privacy
Regulatory framework
Life settlement transactions are governed at state level. According to the European Life Settlement Association factsheet and US industry sources, 43 US states and Puerto Rico regulate the secondary market for life insurance, while five states (Alabama, Missouri, South Carolina, South Dakota, Wyoming) and the District of Columbia do not have specific life settlement statutes. Most regulated states adopt a variant of the NAIC Viatical Settlements Model Act or the NCOIL Life Settlements Model Act, including mandatory disclosures, broker licensing and the rescission window we expose as the 15-Day Lookback flag.
Data protection controls
- HIPAA — Health attestations and critical-illness fields are treated as PHI; transport uses TLS 1.2+, payloads at rest are encrypted with envelope keys.
- GLBA — Non-public personal information is segregated, with consent records bound to each case_id.
- State privacy laws — CCPA / CPRA in California, plus VCDPA, CTDPA and similar regimes shape retention and deletion APIs.
- Authorisation — Tokens are scoped per role: senior policy owner, family member, or ValuLife™ Pro professional.
- Auditability — Every quote and bid is hash-chained for tamper-evident broker dispute resolution. See Wikipedia: Life settlement for background on the regulated lifecycle.
Data flow / architecture
Our reference pipeline keeps consumer-facing latency low while preserving full auditability for regulated parties:
- Client app / advisor portal → submits a signed policy payload over HTTPS with mTLS.
- Ingestion gateway → validates schema, runs PII / PHI tagging, issues a quote_id, and pushes an "intake.created" event.
- Quote & case service → calls the valuation engine, persists structured data into a partitioned PostgreSQL store and writes immutable bid events to an append-only log.
- Storage & analytics → encrypted at rest; mirrored into a warehouse (BigQuery / Snowflake) for advisor dashboards and institutional analytics.
- API & webhook output → REST endpoints, signed webhooks and scheduled CSV / PDF exports surface data to CRMs, BGAs and tax engines.
Market positioning & user profile
ValuLife™ targets two user segments simultaneously. On the consumer side, primary users are US seniors aged 65+ holding term, whole or universal life policies, plus their adult children or grandchildren acting on their behalf, and any policyholder facing a critical illness who qualifies for a viatical settlement. On the wholesale side, ValuLife™ Pro is built for financial advisors, life insurance agents, brokers, BGAs, life insurance agencies, critical-health insurance agents, estate planners, financial planners, CPAs and attorneys. The product is offered exclusively in the United States and ships natively for both iOS (App Store) and Android (Google Play). For an integrator, this dual audience means an OpenFinance layer needs role-aware tokens, segmented rate limits and clearly separated B2C and B2B documentation surfaces.
Screenshots
Click any thumbnail to view the full-size screenshot. Source: ValuLife™ on Google Play.
Similar apps & integration landscape
ValuLife™ sits inside a broader US life settlement ecosystem of brokers, providers, calculators and case management platforms. The apps and platforms below appear repeatedly in industry coverage; we mention them so teams searching for alternatives or complementary integrations land in the right place.
- Abacus Life Settlements — Provider with a one-step calculator and direct policy purchasing; integration teams often need unified valuation exports across Abacus and ValuLife.
- Magna Life Settlements — Operates a calculator plus an analytics-driven policy management platform; a common counterparty for bid routing.
- Harbor Life Settlements — Markets one of the more granular calculators in the industry, citing accuracy benchmarks against historical case data.
- Welcome Funds — A long-running broker founded in 2000, running an auction-based platform that benefits from standardised case feeds.
- Coventry Direct — One of the largest direct-to-consumer life settlement buyers; advisors frequently reconcile its offers against ValuLife™ broker offers.
- Lighthouse Life — Consumer-facing brand with online qualification flows; a typical comparison point for retail seniors.
- Mason Finance — Direct buyer with a mobile-friendly intake; relevant for OpenData teams normalising offer letters.
- Q Capital Strategies — Institutional buyer / servicer; downstream consumer of clean, programmatic case data.
- ISC Services — Specialist life settlement servicing platform; benefits from API-fed in-force policy data.
- PolicyTrac — Online operating system for the secondary market, enabling case data transfer between brokers and providers.
- Settlewerx (Amrita Financial) — Case management and bid management platform used by BGAs and brokers; a natural integration target alongside ValuLife™ Pro.
Users who already work with these platforms often need a unified life-settlement data layer — quotes, policy intake, bids and lookback events expressed in a single OpenFinance schema — and that is precisely what we deliver alongside the ValuLife™ integration.
About OpenFinance Lab
We are an independent technical service studio focused on App interface integration, authorized API integration and OpenData / OpenFinance / OpenBanking work for global clients. Our engineers come from banking, payments, insurance and protocol-analysis backgrounds, and we have shipped APIs across financial, e-commerce, travel and social verticals.
- Insurtech, life settlements, brokerage, payments and digital banking experience.
- End-to-end pipeline: target app intake → protocol analysis → build → validation → compliance review.
- Custom Python / Node.js / Go SDKs and pytest / Jest / Go test harnesses.
- Source code delivery from $300 — receive runnable API source and full documentation; pay after delivery upon satisfaction.
- Pay-per-call API billing — call our hosted endpoints and pay only for usage; no upfront cost.
Contact
For quotes or to submit your target app and requirements, open our contact page:
Engagement workflow
- Scope confirmation: which ValuLife™ flows you need (quote, policy intake, broker case data, ValuLife™ Pro endpoints).
- Protocol analysis & API design (2–5 business days, complexity-dependent).
- Build, sandbox validation and bid-flow simulation (3–8 business days).
- Documentation, sample requests, Postman collection and test plans (1–2 business days).
- Typical first delivery: 5–15 business days; carrier or provider approvals may extend timelines.
FAQ
What ValuLife data can be exposed via API?
How long does delivery take?
How do you stay compliant with life settlement regulation?
Do you support both retail seniors and ValuLife Pro broker workflows?
📱 Original app overview (appendix)
ValuLife™ - Life Settlements is, per its publisher Bridge Insurance Group, the first dedicated mobile app for the life settlement and viatical secondary market. It lets users discover the unknown value of a life insurance policy through a calculator that returns cash estimates in seconds.
Who it's for:
- Any senior over 65 with an active term, whole or universal life insurance policy.
- The children or grandchildren of a senior parent or grandparent with an active life insurance policy.
- Anyone with a critical illness (regardless of age) with an active term, whole or universal life policy — also called viatical settlements.
- Professionals: financial advisors, life insurance agents, life insurance brokers, broker general agents (BGAs), life insurance agencies, critical health insurance agents, estate planners, financial planners, accountants (CPAs), and attorneys.
Why work with a life settlement broker rather than a single provider:
- High Life Guarantee™ — obtain the highest offer from top life settlement providers.
- Streamline your application across a broad network of life settlement companies. One and done.
- Fiduciary Promise — work in the policy owner's best interest, not any one provider.
- Lowest brokerage fees in the industry, with full disclosure.
- 15-Day Lookback Period after the transaction.
- Tax-professional discussion of additional tax benefits for Long Term Care or critical-health insurance.
Bridge has indicated that a wholesale segment, ValuLife™ Pro, extends the platform to professionals so they can serve their clients' interests at scale. For more information on life and viatical settlements, the publisher points users to askbridge.com.