Sell Your Life Insurance Policy for More Than the Insurance Company Offers You
Your life insurance policy could be worth thousands more than its cash surrender value.
A Life Settlement allows qualifying policyholders to sell an unwanted or unaffordable life insurance policy for cash—often receiving significantly more than they would by simply surrendering or lapsing the policy.
We'll review your policy at no cost, explain your options in plain English, and help determine whether you may qualify for a higher payout.
- Free Policy Review
- No Obligation
- We Help Maximize Your Policy's Value
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Most People Think They Only Have Three Options.
- Keep paying premiums
- Cancel the policy
- Accept the insurance company's surrender value
There may be a fourth option.
Your life insurance policy is a financial asset. Just like a house or stock portfolio, it may have market value.
If you qualify, another buyer may be willing to pay substantially more than the insurance company's cash surrender value.
Many people never discover this because no one tells them.
What Your Policy Could Be Worth
See how a Life Settlement can compare to letting a policy lapse or accepting the surrender value.
Actual offers depend on age, health, policy type, carrier, and other factors.
Instead of Canceling Your Policy, You Sell It.
A Life Settlement simply means selling your existing life insurance policy to another buyer.
The buyer:
- Pays you a lump sum of cash
- Takes over future premium payments
- Receives the death benefit someday
You receive cash today while eliminating future premium payments.
It's that simple.
Life Settlements Often Make Sense If You...
- Are generally age 65+
- Have experienced changes in health
- No longer need the coverage
- Have expensive premium payments
- Own Whole Life
- Own Universal Life
- Own Convertible Term Insurance
- Want cash instead of continuing premium payments
Even if you're unsure whether you qualify, it's worth asking.
Policy reviews are free.
Why People Sell Their Policies
Life changes.
The policy that made perfect sense 20 years ago may not make sense today.
Common reasons include:
- Premiums have become too expensive
- Children are financially independent
- Estate planning needs have changed
- Retirement income is more important
- A business has been sold
- Health has changed
- The original reason for buying coverage no longer exists
Rather than walking away from the policy, many owners first explore whether it has market value.
How Much Could My Policy Be Worth?
Every policy is different.
The value depends on factors like:
- Your age
- Your health
- Policy type
- Death benefit amount
- Insurance carrier
- Premium costs
- Policy features
Sometimes the value is modest.
Sometimes it can be substantially higher than the insurance company's surrender value.
The only way to know is to have the policy reviewed.
Simple, Transparent, and No Pressure
- 1
Send us your policy.
- 2
We review your coverage.
- 3
If appropriate, we obtain competitive offers from the Life Settlement marketplace.
- 4
You review your options.
- 5
You decide whether to keep your policy—or sell it.
No pressure. No obligation. Just information.
We Help You Understand All of Your Options.
Unlike companies whose only goal is purchasing policies, our job is to help you understand all of your options before making a decision.
Sometimes a Life Settlement is the right answer.
Sometimes another strategy—such as a 1035 Exchange or Term Conversion—may create more long-term value.
We'll explain the pros and cons in plain English so you can make an informed decision.
As a California-licensed brokerage based in Encinitas, we work with clients throughout California and proudly serve North County San Diego. If you're local, let's grab a coffee and review your policy together.
Frequently Asked Questions
Don't Cancel Your Policy Until You Know What It's Really Worth.
You could be walking away from thousands of dollars without realizing it. We'll review your policy, explain every option, and help determine whether a Life Settlement could put more money in your pocket.
- Free Policy Review
- No Cost
- No Pressure