How to explain a life settlement to your clients that doesn't make it sound shady?

[LifeInsurancePro]

For example, how the client has to make the first payment on the conversion, and the change of ownership will come later, and any other tips you might have? (For the record, hunting these down, just have a few clients that have their policies expiring and in only a few cases it makes sense for them to try to sell.)