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 offer more than its surrender value. 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

Most states regulate life settlements, generally requiring brokers and the companies that buy policies to be licensed.

U.S. Government Accountability Office (2010)

Beyond surrender

Buyers may pay more than the policy's cash surrender value. Life settlements have mostly involved policies covering people 65 or older.

U.S. Government Accountability Office (2010)

Taxes apply

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

IRS Rev. Rul. 2009-13, as modified by Rev. Rul. 2020-5 · 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, take over the premiums and receive the death benefit later. Some policyholders, often 65+, get more this way than by surrendering, but their beneficiaries no longer receive the death benefit.

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 most states regulate them and require brokers and buyers to be licensed. Check that anyone you work with is licensed in your state.

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.