In a Life Settlement, you sell your life insurance policy to a third-party buyer for a lump sum payment. The buyer takes over future premium payments and collects on the policy when the time comes. Think of it this way: instead of letting a life insurance policy go unused (lapsed or surrendered), you may be able to sell the policy to a qualified buyer for more than its cash surrender value (up to 9 times more ). Whether it's the right option depends on your unique situation—and that's exactly what we'll help you understand.

[1] Based on the Life Insurance Settlement Association (LISA) 2025 annual market data, consumers who sold their life insurance policies through a LISA member received nearly nine times their cash

No. Your policy review and estimated valuation are completely free and come with no obligation. Our goal is simply to help you understand your options, so you can decide what's right for you.

Every policy is different. Its value depends on factors such as your age, health, policy type, and coverage amount. Many policies are worth significantly more than their cash surrender value, and we'll provide a confidential estimate at no cost or obligation. You can also try our life settlement calculator tool [insert the hyperlink] and get a policy valuation estimate in a few clicks.

Yes! Term policies may qualify, particularly if your policy includes a conversion option. We'll review your policy and explain your options clearly, so you know exactly what's possible.

It starts with a simple, confidential policy review. If your policy qualifies, we'll guide you through every step—from gathering the necessary information to presenting any offers you receive. You'll always be in control of the decision.

We'll ask for some basic information about your policy and, if needed, your medical records to evaluate its potential value. We handle as much of the process as possible, making it simple and straightforward for you.

Not at first. We can obtain much of the information we need on your behalf. Your insurance company is only notified if you choose to move forward with a Life Settlement.

That's perfectly okay.
Many people simply want to understand what their policy may be worth before making any decisions. Your policy review is completely confidential, free of charge, and comes with no obligation.

If your policy qualifies for a Life Settlement, it will be purchased by an institutional investor, not an individual. You don't need to become an expert in the process—that's our job. We'll guide you through every step and make sure you understand your options before making any decision.