For more than two decades, Welcome Funds has helped consumers, families, and financial advisors uncover value in an often-overlooked asset: life insurance policies that are no longer needed, wanted, or affordable.
Founded in 2000, Welcome Funds has become one of the nation’s leading life settlement brokers, representing policy owners throughout the life settlement process. Rather than accepting a single offer from one buyer, clients gain access to a competitive marketplace where multiple licensed purchasers bid on their policy—creating an opportunity to maximize its value.
Over the years, Welcome Funds has negotiated more than 36,000 offers and helped clients receive more than $1 billion in settlement proceeds through its nationwide network and auction-based approach.
Who Welcome Funds Serves
Welcome Funds works with:
- Seniors who no longer need their life insurance coverage
- Policy owners who are struggling with premium payments
- Individuals experiencing significant life changes
- Families seeking additional financial flexibility
- Financial advisors and wealth managers areexploring options for their clients
- Estate planning professionals helping clients evaluate underutilized assets
Their team helps determine whether a life insurance policy may have value in the secondary market and guides clients through the evaluation and sale process.
What Sets Them Apart
Competitive Auction Process
Unlike direct buyers that make a single offer, Welcome Funds conducts an auction among licensed life settlement providers. This competitive bidding environment is designed to help policy owners secure the highest available offer for their policy.
Advocates for Policy Owners
As a licensed life settlement broker, Welcome Funds represents the policy owner’s interests throughout the transaction. Their goal is straightforward: help clients maximize the value of their life insurance assets.
Experience You Can Trust
Since 2000, Welcome Funds has built deep expertise in life settlements and viatical settlements, helping thousands of individuals and advisors navigate a complex marketplace with confidence.
Commitment to Privacy and Security
The company utilizes PolicyTrac®, a secure technology platform designed specifically for the life settlement industry, helping safeguard sensitive client information throughout the transaction lifecycle.
Client Impact: When Competition Creates Better Outcomes
One example highlighted by Welcome Funds involved a policy owner who initially received a $30,000 offer directly from a buyer. After entering Welcome Funds’ auction process, the policy generated 10 competing offers and ultimately sold for $100,000—more than three times the original offer.
It’s a simple philosophy that guides the firm’s approach:
When buyers compete, policy owners win.
How Welcome Funds Helps—At a Glance
Life Settlements
- Sale of unwanted or unaffordable life insurance policies
- Competitive auction process with licensed buyers
- Free policy appraisal and consultation
Viatical Settlements
- Solutions for qualifying individuals with serious health conditions
- Guidance throughout the settlement process
Advisor Support
- Resources for financial advisors and wealth managers
- Case evaluations and market analysis
- Access to a nationwide buyer network
Secure Technology
- PolicyTrac® secure document and data management platform
- Confidential case handling and communications
Trusted Partner: Record Retrieval Solutions
“At Welcome Funds, securing maximum value for our clients requires speed, accuracy, and trusted partners. Working with RRS as our medical records retrieval partner has been an exceptional experience. Their team deeply understands the time-sensitive nature of our industry and consistently delivers the pertinent medical records we need to evaluate and position our clients’ policies effectively. We are incredibly grateful for their seamless collaboration, dedication to efficiency, and continued partnership in helping us advocate for our clients.”
Where to Find Welcome Funds
Address: 4755 Technology Way, Suite 202
Boca Raton, FL 33431
Toll-Free: 877-227-4484
Email: info@welcomefunds.com
Website: welcomefunds.com
How long are medical records typically retained?
Most states require adult medical records to be retained for between five and ten years, although requirements vary by state, provider type, and patient age.
Does HIPAA require medical records to be kept for seven years?
No. HIPAA does not establish a universal retention period for patient medical records. State laws generally determine how long records must be retained.
What happens when medical records exceed retention requirements?
Healthcare providers may legally destroy records after applicable retention requirements have been satisfied and destruction policies have been followed.
Are pediatric medical records kept longer than adult records?
Yes. Many states require providers to retain records for minors beyond the standard adult retention period, often until ages 21, 25, 28, or 30.
How can organizations improve the success of medical record retrieval?
Organizations can improve success rates by requesting records early, maintaining complete authorizations, verifying provider information, and actively monitoring requests. Working with a dedicated retrieval partner can further reduce delays and administrative burden.
