Your Life Insurance May Be Worth More Than Your Insurance Company Will Ever Tell You
Most policyholders who can no longer afford their premiums simply let their policy lapse — and get nothing. A life settlement could put tens of thousands of dollars in your pocket instead. Free estimate. No obligation. Completely confidential.
The Option Your Insurance Company Doesn’t Want You to Know About
A life settlement is the sale of an existing life insurance policy to a licensed third-party buyer for more than its cash surrender value but less than the death benefit. It’s a legal, regulated transaction that has been upheld by the U.S. Supreme Court since 1911.
If you’re over 65 and have a life insurance policy you no longer need, no longer want, or can no longer afford, you have options beyond lapsing or surrendering. A life settlement lets you sell the policy and keep a significant portion of its value — money your insurance company would rather keep for themselves.
What Happens to a $500,000 Policy
Three possible outcomes for a typical universal life policy, insured age 76
Based on a $500,000 universal life policy, age 76. Actual values vary by policy. Settlement value shown is illustrative.
How It Works
Four simple steps. No commitment until you say so.
Check Your Eligibility
Answer 5 questions about your policy. Takes less than 2 minutes.
Get a Free Estimate
We’ll provide an estimated value range within 48 hours. No cost, no commitment.
Review Real Offers
Licensed buyers compete to make you an offer. You see every bid.
Get Paid
Transaction processed through a licensed clearinghouse. Funds deposited directly.
You are never obligated to accept any offer.
You can stop the process at any time.
Your information is never shared without your explicit consent.
This Is Real. This Is Regulated. This Is Your Right.
Life settlements are legal in 43+ states and regulated by state insurance departments. The right to sell your life insurance policy was established by the US Supreme Court in 1911.
In 2020 alone, policyholders sold over 3,200 policies worth $4.6 billion in the secondary market.
Your policy’s death benefit is backed by A+ rated carriers — companies like MetLife, Prudential, John Hancock, and Lincoln Financial.
Common Questions
Straight answers. No fine print tricks.
No. Life settlements are regulated in 43+ states and overseen by state insurance departments. The U.S. Supreme Court affirmed the right to sell life insurance policies in Grigsby v. Russell (1911). Every transaction goes through licensed, regulated entities. This is a legitimate financial option that insurance companies have no incentive to tell you about.
Licensed life settlement providers purchase policies on behalf of institutional investors — pension funds, asset managers, and other large financial institutions. These are sophisticated, regulated buyers, not individuals.
Your insurance company cannot legally prevent you from selling your policy. However, they are not required to inform you that the option exists. Insurance companies benefit when policies lapse (they keep your premiums and pay nothing), so they have no incentive to tell you about life settlements.
The value depends on several factors: your age, health status, policy type, face value, and premium structure. On average, life settlements pay 3–5 times the cash surrender value. The only way to know your policy’s specific value is to get a free estimate, which we can provide within 48 hours.
For an initial estimate, no. For a formal offer, yes — but your medical information is only shared with licensed entities under strict confidentiality agreements and only with your written consent. Your records are encrypted and handled with the same security standards used by hospitals and insurance companies.
Life settlement proceeds may be taxable, but the 2017 Tax Cuts and Jobs Act significantly improved the tax treatment for policyholders who sell their policies. We recommend consulting with a tax advisor about your specific situation. We can connect you with one if needed.
Sometimes. If your term policy is convertible to a permanent policy, it may be eligible. Universal life and whole life policies are the most commonly settled. Our free eligibility check will tell you whether your specific policy qualifies.
Find Out What Your Policy Is Worth — Free, No Obligation
Answer a few questions and we’ll provide a free estimate within 48 hours.