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problems with senior life insurance

Every senior deserves more from their life insurance

But life changes…
  • The need for insurance is gone
  • The costs are adding up
  • The policy can expire

Every year 1000’s of seniors repurpose their life insurance by selling it to another life insurance company for profit.

Before you cash out, stop paying or exchange your policy, consult with Bridge because you could be leaving money on the table. Give us a call today!


of policies never pay a death benefit


in U.S. senior policies lapse each year


Avg. payout above carrier offer in 2023

Seniors often lose their life insurance investment. We help them profit by selling the policy to another life insurance company for financial security. Bridge Insurance Group, LLC is a nationally licensed life settlement brokerage headquartered in Tampa, FL. Think of us as your life insurance real estate agents. Instead of selling your home, we help you sell your life insurance policy. As licensed agents, we have a fiduciary duty to represent you, ensuring a safe and positive sales experience. We streamline the application, listing, and underwriting processes, saving you time and avoiding costly mistakes. Our goal is to secure the highest cash offer for your policy by connecting you with our network of trusted buyers and positioning your policy at the top of the market. Learn more about Bridge
Safe Transactions
Over 100 years ago, a federal law granted U.S. citizens the right to sell their life insurance policies, recognizing them as personal property similar to real estate. Now, you can safely sell your life insurance policy to another life insurance company willing to pay more.

Who can sell their life insurance policies?

  • Seniors over 65yr. old
  • terminal ill patients of any age

If you or someone you know over 65 years old who owns a life insurance policy they no longer want/need, consider the benefits of a life settlement. Before canceling the policy, cashing out, or 1035 exchanging, learn what life settlements can offer you. 

Our Process



Application / Underwriting



Offers / Closing



Escrow / ACH


Get the facts about your life insurance

Can I keep my life insurance without making changes?

We completely understand your desire to keep your policy and maintain the coverage it provides. However, it’s important to recognize that circumstances can change, and what may have been a suitable policy for you in the past may not be the best option for you now. A life settlement can provide you with the financial resources you need to address current challenges, such as paying for long-term care or medical expenses, paying off debt, or simply enjoying retirement.

By selling your life insurance policy, you can get a cash payment that you can use as you see fit, and you can also be relieved of premium payments and other policy-related expenses. It’s also worth noting that the life settlement market is heavily regulated, so you can be confident that you are receiving a fair market value for your policy. I encourage you to learn more about life settlements and speak with a reputable life settlement provider to see if it may be a suitable option for you.

There is a life settlement option called a Retained death benefit which is a way for policyholders to retain a portion of the death benefit payout while the buyer takes over premium payments.

In case of the insured individual’s death, the beneficiary receives their guaranteed percentage, while the fund receives the death benefit for the purchased portion. It’s particularly useful for seniors and the chronically/terminally ill, eliminating future payment obligations while maintaining a death benefit payout.

How does my financial advisor get involved in life settlements?

That’s great that you have an advisor who helps you manage your finances. However, it’s important to keep in mind that not all financial advisors are knowledgeable about or have experience with life settlements. 79% of seniors wish their advisor told them of a life settlement option. Some advisors may be prohibited from disclosing this safe option even if it was in your best interest (similar to government-backed reverse mortgages). Life settlements can provide a significant financial benefit for individuals who no longer need or can afford their life insurance policies. They are a safe, regulated, and legal financial option that can help you unlock the value of your life insurance policy. I encourage you to learn more about life settlements and discuss the option with your advisor to determine if it could be a valuable part of your overall financial strategy.

Why sell my life insurance?

It’s great to hear that you’re in a good place financially. However, even if you don’t necessarily need additional financial resources right now, it’s always a good idea to explore all your financial options to make sure you’re making the most of your assets.

A life settlement can provide you with a lump sum of cash that you can use in many ways, such as investing in a new business, paying off debt, buying a new property, or simply enjoying retirement to the fullest.

Moreover, if you have a life insurance policy that you no longer need or can afford, keeping it may not be the best use of your resources. Selling the policy through a life settlement can provide you with a fair market value for your policy, and you can use the funds in a way that aligns with your current financial goals.

I encourage you to learn more about life settlements and speak with a reputable life settlement provider to see if it may be a suitable option for you, even if you feel like you’re in a good place financially.

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