Early access · Life insurance policies

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

If you're 65+ and no longer need your policy, investors may pay more than its surrender value, often much more. Get a free, no-obligation estimate.

How it works
Death benefit$500,000Universal life · sample
If surrendered$18,000Cash surrender value
If sold$60k–$95kEstimated range, not an offer
FreeNo obligation
LicensedPartner brokers
CompetingMultiple bids

A new approach

Before you surrender it, find out what it's worth

×The old way
  1. Step 1Premiums keep rising
  2. Step 2Policy no longer needed
  3. Step 3Surrender for cash value
  4. Step 4Or let it lapse
  5. Step 5Value lost
✓The new way
  1. Step 1Free estimate
  2. Step 2Licensed broker review
  3. Step 3Competing bids
  4. Step 4You decide
  5. Step 5Paid at closing

Why it matters

A policy you no longer need is an asset, not just a bill you stop paying.

Your property

The U.S. Supreme Court held that a life insurance policy is property its owner can sell.

Grigsby v. Russell (1911)

A regulated market

Life settlements are regulated in most states, with licensing for brokers and buyers.

U.S. Government Accountability Office (2010)

Beyond surrender

Buyers may pay more than the cash surrender value, especially for older insured people.

U.S. Government Accountability Office (2010)

Taxes apply

Proceeds can be taxable and may affect benefits like Medicaid, so get advice first.

IRS Revenue Ruling 2009-13 · state Medicaid rules

What buyers look at

Six things set the price

Older insured people and larger policies usually attract higher offers. Your broker collects bids from several buyers.

  • AgeInsured's ageUsually 65 or older
  • HealthHealth historyShapes the offer
  • $Death benefitOften $100,000+
  • ULPolicy typeUniversal, whole, convertible term
  • PremPremium costWhat it costs to keep
  • OwnerPolicy ownerYou or a family member

How it works

From estimate to closing

EstimateFreeNo obligation
A rough range in two minutes.
BidsCompetingFrom licensed buyers
Your broker takes the policy to market.
DecisionYoursAccept or walk away
Paid at closing if you accept.

Early access

Free to find out. No obligation to sell.

Free valuationNo obligation

Nothing to pay upfront. If you sell, broker fees come out of the sale and are disclosed before you agree.

Questions

Why would someone buy my policy?

Investors pay you now and receive the death benefit later. For many policyholders 65+, that's worth more than surrendering the policy.

Does it affect my taxes or benefits?

It can. Proceeds may be taxable and can affect means-tested benefits like Medicaid. Talk to a tax advisor before selling.

Is this legal and regulated?

Yes. Life settlements are legal and regulated in most states, and handled by state-licensed brokers.

When can I start?

We're onboarding in small batches. Get your free estimate now and we'll contact you when your spot opens.

Find out what it's worth before you let it go.