Life Settlements
The benefits of a life settlement
Freedom from premiums you no longer want to pay, and cash you can use however you choose.
Flexibility
No repayment, no equity required
Unlike a second mortgage or a reverse mortgage, a life settlement isn't a loan against something you own — it's a sale. There's nothing to repay, no interest accruing, and no home equity involved. You sell an asset you no longer need, once, for cash.
- No restrictions on how you use the proceeds.
- No future premium payments once the sale closes.
- Generally tax-free up to your policy's original cost basis — consult a tax professional for your specific situation.
Your Options, Compared
Four ways to handle a policy you no longer need
Keep paying
Premiums continue indefinitely for coverage you may no longer need.
Let it lapse
Stop paying and the policy — and everything paid into it — is simply lost.
Surrender it
The carrier buys it back, usually for far less than a life settlement would pay.
Sell it
A life settlement typically returns significantly more than the surrender value.
Why Work With Us
A single point of contact to a broad buyer network
We work with an established network of licensed buyers and investors actively seeking policies, and we manage the relationship end to end — so you get one straightforward process instead of juggling multiple brokers.
Working with more than one broker at a time can work against you: buyers often decline to bid on a policy that's been shopped to multiple sources at once, which can mean lower offers and slower timelines, not better ones.
Find out what your policy is worth
Get a free estimate — no cost, no obligation to sell.