Life settlements

Your life insurance policy may be worth far more than its cash surrender value

Find your free, no-obligation estimate below — it takes just a few minutes

Free · No obligation · Takes a few minutes

Why work with us

An advocate on your side of the table

We're a retirement income planning firm — not a policy buyer. That changes who we answer to


You have representation

As a licensed life and viatical settlement broker, our role is to represent you through the process and help you weigh your options — not to buy your policy.


It fits your bigger picture

A settlement isn't a one-off transaction here. We help you see how it fits your overall retirement income plan before you decide anything.


Education first, no pressure

Getting an estimate is free and carries no obligation. We help you understand whether a life settlement even makes sense for you in the first place.

You have more than one option

You don't have to sell your whole policy

Depending on your situation, you may be able to


Take cash now

Sell the policy for a lump sum you can use however you choose.


Keep coverage for family

Retain a portion of the death benefit with no future premiums to pay.


Do both

Combine a cash payout now with a retained portion of the benefit.

See which option fits — start with a free estimate

How it works

Four simple steps, at your pace

1

Tell us about your policy

Use the free calculator — it takes just a few minutes.

2

We review your case

We help evaluate whether a settlement is a fit for you.

3

You receive an estimate

A no-obligation estimate of what your policy may be worth.

4

You decide

The choice is entirely yours. There's never any pressure.

Common questions

What people ask us first

Who might a life settlement be worth exploring for?
It's generally worth a look if you're age 65 or older, hold a policy of $100,000 or more, and no longer need the coverage or find the premiums have become a burden — including if you're considering letting a policy lapse or surrendering it.
Do I have to sell my whole policy?
No. Depending on your situation, you may be able to take a cash payout now, keep a portion of the death benefit for your family with no future premiums, or combine both. We'll help you understand which fits.
Does term life insurance qualify?
Often, yes — particularly if the policy can still be converted to permanent coverage. It's one of the first things we can help you check.
Will I owe taxes on the proceeds?
A portion may be taxable depending on your circumstances. We're not tax advisors, so we'll help you get an estimate and suggest you confirm the specifics with your own tax professional.
What does it cost to get an estimate?
Nothing. The estimate is free, and there is no obligation to move forward.
How long does the process take?
An initial estimate takes only a few minutes with the calculator. A full offer depends on gathering your policy and medical records, and typically takes a few weeks.

See what your policy may be worth

A free, no-obligation estimate in just a few minutes

Go to the calculator

Free · No obligation · Takes a few minutes