The Process
How It Works
From first call to final check — here's exactly what happens.
The life settlement process involves five stages: application and qualification, medical underwriting, competitive bidding among institutional buyers, contract negotiation and closing, and lump-sum payment to the policyholder.
The Process
From first call to final check — here's exactly what happens.
You share basic details about your policy. We assess whether it qualifies and give you a realistic expectation — no obligations, no pressure, no cost.
Your policy is presented to every major institutional buyer. They compete. You benefit. This is how you capture the real market value — not the number the insurance company wants you to accept.
We present every offer. You see exactly what each buyer is willing to pay. No pressure. No hidden fees. You decide — or you walk away. It's entirely your call.
Accept an offer, and funds are typically wired within 2–4 weeks. Clean and simple. No waiting years for a death benefit that may never serve you.
Timeline
From the moment your policy goes to market, the process moves quickly. We handle the paperwork, coordinate with buyers, and keep you informed at every stage. You stay in control without doing the heavy lifting.
Day 1
Policy Review
Day 7–14
Go to Market
Day 30–60
Offers In
Day 60–90
Funds Wired
The first conversation costs you nothing. We'll tell you exactly what to expect — before you commit to anything.
See What Your Policy Is WorthYou submit your policy and health information, an independent firm estimates your life expectancy, your policy goes to competitive auction among institutional buyers, and you accept the highest offer. The entire process typically takes 60–120 days.
You don't have to use a broker, but a broker represents you — not the buyer. Brokers ensure your policy is exposed to multiple competing buyers, which typically results in higher offers.
You'll need your life insurance policy, recent medical records, and basic identification. Your broker handles the paperwork and coordinates with the insurance company.
Payment is typically issued within 3–5 business days after closing. The full process from application to payment averages 60–120 days.
Once the sale closes, you receive your lump-sum payment. The buyer takes over premium payments and becomes the policy's new owner and beneficiary.