Part 1Quote timing and phone hours
Brief: “Give the verified quote turnaround and access to a real person by phone.”
Part 2Exact fee policy
Brief: “State our actual fee policy.”
The client confirmed no upfront or broker fees and that transfer-related legal costs are covered. It did not clearly confirm the broader statement that there are no application fees or identify every possible closing deduction. I used the stronger “no application, upfront or broker fees” wording. We need an approved list of fees that are never charged and any deductions that may appear at closing.
Part 3Life-contingent payments
Brief: “State whether we buy life-contingent payments.”
No purchase policy was provided. I explained what life-contingent payments are, then used {{LIFE_CONTINGENT_PURCHASE_POLICY}}. We need to know whether Genex buys them and whether proof of life, life insurance or other conditions apply.
Part 4Lead-sharing claim
Brief: “If we are a direct buyer, explain that we fund the purchase and manage the court process rather than selling the lead.”
Direct-buyer status was confirmed, but no specific privacy or lead-sharing policy was supplied. I wrote that the reader’s information is not collected for sale to another buyer. That should be confirmed against the company’s actual data-sharing practices and privacy policy.
Part 5Worked valuation example
Brief: “Use a verified, representative worked example from our real pricing.”
No approved example, figures or assumptions were supplied. I used placeholders for the face value, lump sum, difference and assumptions. We need one real but representative example approved for public use.
Part 6Discount-rate range
Brief: “Include only verified, legally approved rate ranges.”
No approved discount-rate range was provided. I used {{APPROVED_DISCOUNT_RATE_RANGE}} and explained how the rate works without giving a number. We need the approved range and any wording required to explain when rates may fall outside it.
Part 7Best-price guarantee terms
Brief: “If we have a genuine price-match policy or guarantee, explain its terms precisely.”
The client confirmed the basic promise to beat a qualifying written offer or pay $1,000, but did not provide the eligibility rules, exclusions, claim process or expiration terms. I stated the basic promise and used {{BEST_PRICE_GUARANTEE_TERMS_OR_LINK}}. We need the complete approved terms or a link to them.
Part 8Calculator details
Brief: “Include links or buttons for both the calculator and written quote.”
No calculator URL, calculation method or confirmation that a public calculator exists was supplied. I included an “Estimate My Value” button and general limits on estimates, but could not provide a destination or verified assumptions. We need the calculator URL and its approved methodology and disclaimer.
Part 9Partial-sale structures
Brief: “Identify the options we most often arrange without implying one is universally best.”
The client confirmed that customers can sell some or all payments, but did not confirm that Genex offers every structure listed in the brief or which ones it arranges most often. I included all requested structures and described blocks of payments and partial monthly payments as common. We need confirmation of the available structures and actual transaction frequency.
Part 10Returning-customer advantages
Brief: “State any genuine advantages we can offer returning customers, such as records already on file.”
No returning-customer policy or advantage was provided. I explained that a repeat sale is a separate transaction but made no claim about faster handling or records already on file. We need approved details about retained records, reduced paperwork or any other genuine benefit.
Part 11Filing speed and missing-document help
Brief: “State what we do to prevent avoidable delays, including the verified filing turnaround and document support.”
The overall four-to-seven-week timeline was provided, but the filing turnaround and missing-document policy were not. I used {{FILING_TURNAROUND}} and {{MISSING_INSURER_DOCUMENT_ASSISTANCE_POLICY}}. We need the usual filing time after receipt of complete documents and a precise statement of which insurer records Genex can obtain with authorization.
Part 12Support at the hearing
Brief: “State our role in preparing the petition and attending the hearing with the reader.”
The client confirmed that Genex handles the paperwork and legal process, but did not explicitly say who attends the hearing or how that support works. I wrote that “we” attend with the customer. This needs confirmation, including whether an employee, outside lawyer or local counsel attends and whether support differs for remote hearings.
Part 13Advance terms
Brief: “Explain… how it appears in the agreement or disclosure” and “what happens if the court does not approve the sale.”
The client provided the possible $1,000 maximum, usual 24-hour timing and general eligibility limits. It did not provide the point at which a transaction is considered “underway,” how the advance changes closing proceeds, or what happens after denial or cancellation. I used {{ADVANCE_COURT_DENIAL_AND_CANCELLATION_TERMS}} and stated that the advance is accounted for at closing based on the brief, not an approved policy. We need the full underwriting, repayment, denial and cancellation terms.
Part 14Independent-advice costs
Brief: “State our verified policy on who pays when advice is required.”
No payment policy was supplied. I used {{INDEPENDENT_ADVICE_PAYMENT_POLICY}}. We need to know whether Genex pays, reimburses up to a limit or requires the seller to pay, including any state-specific differences.
Part 15Business address, registrations and public records
Brief: “Put our own verified legal name, address, operating history, registration details and public records beside these checks.”
The legal name and operating history were available, but the physical address, state registrations and approved public-record links were not. I used {{PHYSICAL_BUSINESS_ADDRESS}} and {{STATE_REGISTRATION_DETAILS_OR_LINK}}. We need the approved public address, registration or licensing details by state where applicable, and any consumer-protection or BBB profile links intended for publication.
Part 16Customer reviews
Brief: “State the third-party platform, rating and review count in text. Use only approved testimonials with the required permissions and disclosures.”
No platform, rating, review count or approved testimonials were supplied. I used placeholders for all review material. We need approved review text, the source platform, current rating, review count, permission status and any required disclosure.
Part 17Minor-settlement policy
Brief: “State whether we buy minors’ payments and what documentation we require.”
No policy was provided. I explained the stricter best-interest standard, then used {{MINOR_SETTLEMENT_PURCHASE_POLICY_AND_REQUIRED_DOCUMENTS}}. We need to know whether Genex accepts these cases, in which states, and what guardianship, settlement and court records are required.
Part 18Cancellation rights
Brief: “State the verified state- and contract-specific cancellation window, including what happens to an advance after cancellation.”
No cancellation periods, cancellation method or advance treatment were supplied. I used {{CANCELLATION_WINDOW_AND_METHOD}} and {{ADVANCE_TREATMENT_AFTER_CANCELLATION}}. We need approved state-specific language or a legally approved general statement supported by the agreement.
Part 19Legal and compliance confirmation
Brief: “Legal and compliance review should confirm all state-law, tax, benefits, cancellation and court-process wording before publication.”
No legal or compliance approval was included with the source material. I followed the brief’s requested positions on tax treatment, means-tested benefits, judicial review and state protection laws, but those passages still require review before publication. A final review should also confirm the purchase agreement, hearing, advance and cancellation language.