Experience the joy of making a difference.

Eliminate Premiums

Almost 9 out of 10 life insurance policies lapse without paying a death benefit. The financial burden of paying a premium is the #1 reason.

Support Charity

Directly impact the causes you champion; join our community of philanthropists; and ensure a better world for us all. 

Experience the joy of making a difference.

Eliminate Premiums

Almost 9 out of 10 life insurance policies lapse without paying a death benefit. The financial burden of paying a premium is the #1 reason.

Support Charity

Directly impact the causes you champion; join our community of philanthropists; and ensure a better world for us all. 

Who We Work With

We began our work to provide policy owners who no longer need or want their life insurance a charitable solution. Until now, the approximately $20 trillion of life insurance in force today remained largely inaccessible to charities. 

Insuring A Better World Fund eliminates charities’ financial and administrative burden for donated policies. Donors choose their charity; we pay the premium and all other costs; charities receive the benefits.

We enhance life insurance products and the industry by providing a charitable exit strategy. Offering clients an alternative to lapsing a policy adds value and transforms undesired outcomes into philanthropic ideals. 

The Donation Process

donor qualification

Insuring A Better World Fund captures a life insurance policy’s embedded value, the net present value of the death benefit minus the net present value of the premiums.

Even a policy that has no cash surrender value may have a great deal of embedded value that would be lost if the policy were surrendered or allowed to lapse.

Our screening process will help quickly determine your eligibility to donate. In general, policy owners who are 65 and older and whose policy has a minimum death benefit of $250,000 can qualify; however, the best way to determine your eligibility is to speak with one of our donation specialists.

When you begin the evaluation, we need to gather information about your policy and current health to determine if your policy is eligible. There is no physical exam. This information is kept confidential and is only used to help determine the embedded value of the policy.

Fund Distribution

Chosen charities receive regular distributions from a large portfolio of donated polices. Traditionally, a single charity does not have the resources to accumulate enough polices to be actuarially credible. This is where we step in.

Insuring A Better World Fund aggregates hundreds of individually donated life insurance policies to establish a vast new source of predictable cash flow to charities. Once a policy is accepted, neither donors nor charities have any financial obligation.

Our proprietary aggregation method converts a testamentary gift into an operational gift. Under traditional gifting arrangements, a charity does not benefit from a donation of life insurance until the donor passes away. Our unique aggregation and revenue sharing structure allows donors to make legacy-sized gifts that a charity will receive over the life of the portfolio. Best of all, donations may be received by the charity while the donor is still alive!

Donor Qualification

Insuring A Better World Fund captures a life insurance policy’s embedded value, the net present value of the death benefit minus the net present value of the premiums.

Even a policy that has no cash surrender value may have a great deal of embedded value that would be lost if the policy were surrendered or allowed to lapse.

Our screening process will help quickly determine your eligibility to donate. In general, policy owners who are 65 and older and whose policy has a minimum death benefit of $250,000 can qualify; however, the best way to determine your eligibility is to speak with one of our donation specialists.

When you begin the evaluation, we need to gather information about your policy and current health to determine if your policy is eligible. There is no physical exam. This information is kept confidential and is only used to help determine the embedded value of the policy.

Fund Distribution

Chosen charities receive regular distributions from a large portfolio of donated polices. Traditionally, a single charity does not have the resources to accumulate enough polices to be actuarially credible. This is where we step in.

Insuring A Better World Fund aggregates hundreds of individually donated life insurance policies to establish a vast new source of predictable cash flow to charities. Once a policy is accepted, neither donors nor charities have any financial obligation.

Our proprietary aggregation method converts a testamentary gift into an operational gift. Under traditional gifting arrangements, a charity does not benefit from a donation of life insurance until the donor passes away. Our unique aggregation and revenue sharing structure allows donors to make legacy-sized gifts that a charity will receive over the life of the portfolio. Best of all, donations may be received by the charity while the donor is still alive!

Ready to donate?

Ready to Donate?

Leave a Legacy

On April 20th, Insuring A Better World Fund founders David Simon and Robert Stuchiner presented an overview of the charity to The American College of Financial Services during an online webinar. The event centered on the incredible legacy of Kevin O’Connor, an American College alumni and Insuring A Better World Fund’s first policy donor, and the innovative philanthropic alternative that the charity now offers individuals with unwanted or unneeded life insurance.

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Insuring A Better World Fund is sponsored by the InterVivos Foundation, a not-for-profit organization that is tax-exempt under Section 501(c)(3) of the Internal Revenue Code

Latest News

Follow Us!

Insuring A Better World Fund is sponsored by the InterVivos Foundation, a not-for-profit organization that is tax-exempt under Section 501(c)(3) of the Internal Revenue Code