I have looked on here and did not see what I was looking for so I am asking.. I am close to getting my first life settlement done. Client had a 10yr term running out, in terrible health and could not afford to convert. Was about to let the policy lapse. I will get to convert the policy, about a 22K target, so that is very nice but do you typically take anything else? The buyer is saying it will be a gross offer so it is up to me what I take and the client gets the rest. What is the norm?