LifeDeer.com is a game changer for the insurance industry. Currently over 2/3's of Life Insurance Policies are surrendered or lapse over the course of the policy and therefore never pay-out. This happens Because policy holders cannot afford to make the premium payments and have no other option but to let it lapse. If they are able to find a buyer ,the offer will be much lower than the policy is worth. LifeDeer.com UpEnding the Secondary Market.