The Dark Edge of the American Dream.

Where big business, politics, and profit converge in a system rigged for power.

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Based on a gripping true story.

Pay to Play is the tell-all memoir story of Stephen L. Keller, a brash young entrepreneur who sets out to challenge the insurance industry by bringing dignity to those at the end of their lives. As he pioneers the controversial viatical settlement market, Keller transforms a bold idea into a billion-dollar empire, only to find that success comes at a steep price.

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Stephen L. Keller

Stephen L. Keller is a pioneering entrepreneur, whose real-life story reads like a corporate thriller, marked by ambition, disruption, and dramatic downfall.

At just 27 years old, Keller founded Kelco, a financial firm that revolutionized the life insurance market by introducing viatical settlements, offering terminally ill patients an unprecedented way to access their life insurance benefits.

By 1998, Keller launched the first-ever securitized bundles of life insurance
policies on the NYSE and captured 65% of the global life settlements market: now a $30 billion annual industry.

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