How does REPS holdings earn money from buying over your insurance?

If you ever need more questions, do let me know. I am sorry to post this, but do join the group created for such opportunities https://www.facebook.com/groups/2289132611305701/
for Reps Holding and all, they do take the non-gauranteed portion. But if you need more info or is willing to look for partnership, do contact me on such arrangements.

From what i have gathered, they usually only accept policies between 10 to 20/25 years since inception. Usually the surrender values then are not high, so it's kinda like buying an undervalued property.

Of course another way of looking at it is that they are buying into the death benefit of the life assured and/or the participating subfund that the plan is written with.