Life Changes.
Don’t Let Your Policy’s Value Go To Waste.
Discover your policy’s hidden potential with our proprietary Life Auction™, unlocking significant capital to secure the future for you and your beneficiaries.
Discover your policy’s hidden potential with our proprietary Life Auction™, unlocking significant capital to secure the future for you and your beneficiaries.
“I got $85,000 for my policy” – Rick G. from TX
To qualify, you must own a Term or Permanent policy over $100,000 and be either 65+ OR have a serious health condition (any age). Sale not guaranteed.
Let other life insurance companies compete for your policy. We’re in your corner.
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Backed by our Fiduciary Promise and a 30-day “change-of-mind” guarantee.
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Life insurance should work for you, not against you
Yet for many policyholders, it has become a source of stress and waste. You may be facing a situation where:
- Premiums are becoming unaffordable or the policy is about to expire worthless.
- Your original need for the coverage has changed or disappeared.
- The policy has underperformed or accumulated loans against its value.
- You were never shown a plan to get the most from your asset.
Founders Note
While my background as a licensed life settlement broker and appraiser provides the professional expertise, it’s my personal story that truly drives my commitment to you.
That commitment is the foundation of the transparent 3-step plan we’ve built to unlock your policy’s true value.
Your Bridge to Clarity & Value
1. Discover Your Policy’s Value
2. Secure the Highest Offer
3. Receive Your Payout
A free valuation takes only minutes and comes with no obligation.
“I got $85,000 for my policy“
– Rick G. from TX
Success Stories
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Sellers Win 💰 When
Providers Compete 🏁
A life settlement broker represents you like a real estate agent (saving time and facilitating competition among top buyers).
Every Senior Deserves Fair Value From Their Policy
- The need/want for life insurance is gone
- All the costs are adding up
- The policy expires or is underfunded
- Health or major life change happens
- No one has given you a plan
A life settlement broker is like a real estate agent but instead of helping you sell your home, we help you sell your life insurance policy by hosting a competitive auction to increase your asset value. Payouts often meet or exceed client expectations.
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Learn more About Us or Licensed States
100 years ago someone said, “I want to sell my life insurance policy”. Hence, a federal law granted U.S. citizens the right to sell a life insurance policy deeming it personal property similar to real estate. The secondary life insurance market was born. Today, you can safely sell your life insurance policy to another life insurance company that’s willing to pay more.
- You must be over 65 years old UNLESS
- You have a terminal or chronic illness (any age for viaticals)
- You have an active life insurance policy over $100k
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.
A Trusted Plan
STEP 1
Valuation
STEP 2
Auction
STEP 3
Payout
FAQ
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.
Settlement Stories
Can I Sell My Life Insurance? Find out.
