Selling Your
Life Insurance Policy
As one of the nation’s most experienced and respected life insurance purchasers, we are here to personally assist you every step of the way — helping you choose the right option for you and your family.
Your Policy Is Personal Property
Our goal is to inform you of your options, and help you choose the right one for you and your family — whatever that may be.
Our team of experts work every day with people just like you to help them create a financially comfortable future.
Speak to a Live Representative“Life insurance policies are established as personal property — just like any other high-value asset.”Grigsby v. Russell, 222 U.S. 149 — You have the right to sell all or part of your policy.
Why Would I Sell My Life Insurance Policy?
There are many valid reasons to consider selling all or a portion of your policy. Here are the most common situations our clients face.
You Can No Longer Afford Premiums
Changes in the insurance market, poor policy performance, rising medical bills, assisted living costs, or legal expenses may strain your budget. Most life insurance policies simply lapse — and all the funds you invested in premiums are kept by the insurance company. The financially smarter option is often to sell all, or part, of your policy for a cash amount far higher than the surrender value.
Funds Are Needed for Medical Care or Other Expenses
If you’re facing significant expenses such as cancer treatment, assisted living, or other medical costs, a life settlement can provide a lump-sum payment to help cover them. There are no restrictions on how the funds are used — whether for care, debt relief, or personal goals, the money is yours to use as needed.
You Want to Re-Invest Your Policy’s Equity
You may want to recapture the dollars you have paid over the years and invest them in a new avenue — a new business, purchasing a home, paying off a debt or tax liability, purchasing an income-generating annuity, or any other opportunity where the equity built in your policy could better serve you.
Your Life Circumstances Have Changed
As we move through the various stages of life, many individuals find they simply no longer need a life insurance policy. Divorce, retirement, the absence of an estate tax burden, or your beneficiaries no longer needing the policy benefits are all common life changes that lead policyholders to explore a settlement.
