Questions? We've got answers.

A life settlement is the sale of an existing life insurance policy to a third-party buyer for more than the cash surrender value but less than the death benefit. It's a legal, regulated transaction available in most states.

Generally, policyholders who are 65+ with a policy face value of $100,000 or more. Health changes can increase your policy's value. Universal life, whole life, and convertible term policies typically qualify.

It depends on your age, health, policy type, and premiums. Most settlements pay 4–7x the cash surrender value. The only way to know is to go to market — and that's exactly what we do.

Most settlements close within 30–90 days from the time your policy goes to market.

No. While health changes can increase value, many healthy seniors sell policies they no longer need or can no longer afford. You don't need to be ill to qualify.

Life settlements can be taxable. The tax treatment depends on your basis in the policy and the sale price. We recommend consulting a tax advisor. We can connect you with one.

Absolutely. Life settlements are legal and regulated in most states. The industry is governed by state insurance departments and has been upheld by the U.S. Supreme Court since 1911 (Grigsby v. Russell).

Universal life, whole life, variable life, and convertible term life policies. Group policies may also qualify. We'll tell you in the first conversation.

Yes — once sold, the buyer becomes the new beneficiary. That's why it's important to evaluate whether you still need the death benefit before proceeding. We help you think through that decision.

When you surrender, the insurance company pays you the cash surrender value — which is often a fraction of what the market will pay. A life settlement puts your policy in front of competing buyers who typically pay significantly more.

Nothing upfront. Broker compensation is built into the transaction and only applies if a sale is completed. You never pay out of pocket.

Call (877) 207-0951 or fill out our contact form. We'll review your policy and give you a realistic expectation within the first conversation.