Is your life insurance still serving its vital purpose? Or has that objective come and gone, leaving you with an unnecessary expense?

If you've been thinking about walking away or surrendering your policy, we've got news for you. There's another option that most financial advisors don't even know about. You may be able to sell your policy to a third party for a whole lot more than its cash surrender value. That's right. That unneeded insurance policy is actually an asset that can be worth significant money when offered to the right people in the right way. In the Know spells out how these life settlements work, who's eligible, and how to choose a professional with the necessary expertise to work with.

This could be your chance of a lifetime. If you're still paying for a life insurance policy you no longer need or want, you owe it to yourself to check out this opportunity.

You'd rather watch paint dry than read about potentially profiting from your life insurance policy? Think again. This story-driven book is actually fun to read.

David Rosell's inspiration and zest for life have been shaped by a lifetime of international adventures. To date, he has spent a month in more than 75 countries on six different continents.

David is the founder and president of Rosell Wealth Management, an entrepreneurial firm located in Bend, Oregon. For more than 20 years he has specialized in working with affluent individuals and families who are at or near retirement, helping them live the life they have always imagined.

As a recipient of the Retirement Distribution Certificate from the University of Pennsylvania's Wharton School of Business, David excels in making complicated financial planning topics easy to understand. An accomplished speaker, he has addressed international audiences numbering in the thousands, including the Million Dollar Roundtable® and Vistage Worldwide.

David is the host of the podcast Recession-Proof Your Retirement and author of two other entertaining books which meld his passions of adventure and finance: Failure Is NOT an Option: Creating Certainty in the Uncertainty of Retirement and Keep Climbing: A Millennial's Guide to Financial Planning. He has been featured on CNN Money, US News & World Report, Chicago Tribune, NBC News, NY Daily News, FOX Business, MSN Money, Yahoo Finance, and NPR.

His life in Bend, Oregon and Jackson, Wyoming is constantly inspired by his two children Sophie and Jack, who are becoming seasoned travelers themselves. When he's not working or parenting, David indulges in writing from his motorhome named Bennie, downhill skiing, mountain biking, and paddleboarding as well as traveling with his partner, Heather.

David was the first Oregon professional licensed to offer life settlements.

"In their book, David and Rodney do a wonderful job of outlining how the little-known financial transaction of life settlement, when it fits, can make a huge difference in clients' lives. In most states usually less than a couple dozen financial professionals have both the licensing and experience to conduct these transactions for people, and David and Rodney are two of the best. Besides covering the technical side of the transaction, they explain how this tool can improve the lives of those who use them. I highly recommend this book for anyone considering what to do with a life policy that has outlived its need or that has become unaffordable." - Lawrence J. Rybka JD, CFP®

"Everyone can benefit from a coach to help them reach their full potential in business and in life. The same holds true when it comes to our finances. In their book In the Know, David Rosell and Rodney Cook expertly coach individuals—as well as the financial professionals who represent them—on how to take advantage of life settlements and trade superfluous life insurance policies for potentially life-changing profit." - Dan Sullivan

"David and Rodney bring to light a fourth option for clients and their advisors to consider when circumstances have rendered life insurance policies unnecessary or unwanted. Via their unique and real-life stories, they explain life settlements, making a complex decision and process simple and easy to understand. Knowing alternatives is one thing; possessing the ability to demonstrate and implement appropriate actions is another." - Kenneth R. Ehinger

"After 40 years in the life insurance profession, I've assisted thousands of clients in acquiring policies at the best pricing classification possible and encouraged them to keep the policy for their lifetime. Occasionally, life events change those plans which force clients to settle their policy. In David and Rodney's thorough and well written book, they explain how you can benefit from another option to settle your life insurance policy that, when professionally managed, could bring you unexpected value when it's needed most." - Phil Harriman, CLU, ChFC

"Whether you are an expert in life settlements or hearing about them for the first time, this book is relevant for you. Rosell and Cook have penned a concise, entertaining, and informative read on how you might be able to unlock the hidden value of life insurance you no longer need" - Caleb J. Callahan, CFP

"The best financial planning is flexible, adaptable, and impactful. This requires a planning process that is dynamic, regularly updated, and responsive to changing laws, objectives, risks, opportunities, and family dynamics. It goes without saying that the best life insurance professionals don't just help their clients buy a strategically designed policy, but they also have expertise in selling existing policies, as may be necessary and helpful as an asset within the plan. David and Rodney are true planning and life insurance professionals who have this important expertise, as demonstrated by this clear and extremely helpful book they've written. I can't recommend it enough. Read it, for your own benefit and your family's." - Ron Ware, JD, CFP

"David Rosell and Rodney Cook have taken the complex financial concept of life settlements and explain it to readers through their use of storytelling. However, their stories are about REAL clients and ACTUAL transactions that have occurred. How do you turn life insurance from an uncorrelated financial asset to cash for clients when they no longer have a need for it? Read on." - Julian H. Good, Jr. CLU, ChFC, AEP

"In The Know is a unique resource that brings new light and understanding to the financial opportunity of a life settlement. This powerful work will be extremely helpful to people who are wondering what to do with their expensive life insurance policies that have become unaffordable. With David and Rodney on your team, you're sure to understand your options and make a wise, profitable decision." - Greg Salciccioli