No Obligation Review
Fully Confidential
Results in 24–72 Hours
Licensed & Regulated Advisors

● Free Policy Appraisal — No Cost, No Obligation

Your Life Insurance Policy
Could Be Worth More
Than You Think

Many seniors qualify to receive a lump-sum cash payment for an unwanted or unused life insurance policy — often far more than the surrender value.

See If Your Policy Qualifies - Book A Call

Takes under 2 minutes • Free appraisal

🔒 Your information is private. We never share your details without permission.

As Featured In

Our Track Record

$2.4B+ In policy offers
facilitated
3,200+ Seniors helped
nationwide
4–8× More than typical
surrender value
24 hrs Average time to
initial appraisal

DO I QUALIFY?

You may qualify if you meet one or more of these criteria

Life settlements aren't right for everyone — but more people qualify than they realize.

Age 65 or older
Most buyers require the insured to be at least 65 years of age at the time of appraisal.
Policy face value over $100,000
Life settlement offers are typically available for policies with a face value of $100,000 or more.
Permanent life insurance
Whole life, universal life, and variable policies are commonly eligible. Some convertible term policies also qualify.
Health changes may increase your offer
A change in your health status — even a recent diagnosis — can actually make your policy worth more.
Premiums have become burdensome
If you're considering surrendering your policy because premiums are too costly, a life settlement may be a better option.
Coverage no longer needed
Your family situation has changed, or you simply no longer need the coverage the policy was originally intended for.

THE PROCESS

Simple, straightforward, and fully transparent

1
Submit your information
Complete our short form. No documents needed at this stage — just the basics about your policy.
2
Free confidential review
A licensed advisor reviews your details and schedules a brief call to answer your questions.
3
Receive a cash offer
If your policy qualifies, you'll receive a competitive offer — with no obligation to accept.
4
Get paid
Once you accept and paperwork is completed, funds are transferred directly to you — typically within 30–60 days.

UNDERSTANDING LIFE SETTLEMENTS

What you should know before making any decision

Definition
What is a life settlement?

A life settlement is the sale of an existing life insurance policy to a third-party buyer for a lump-sum cash payment. The amount is typically more than the policy's cash surrender value but less than the full death benefit. It is a legal, regulated financial transaction available in most U.S. states.

Process
How does it actually work?

You sell your policy to a licensed institutional buyer who assumes all future premium payments. In exchange, you receive an immediate cash offer. The buyer eventually collects the death benefit when the insured passes. You walk away with cash in hand, free of premium obligations.

Motivation
Why do people choose to sell?

Many people sell policies they no longer need, can no longer afford, or that no longer serve their original purpose — a deceased spouse, grown children, or a business that has since closed. A life settlement lets you convert an underutilized asset into meaningful cash while you can still enjoy it.

Timeline
How long does the process take?

Most life settlements are completed within 60 to 90 days of an accepted offer. Your initial appraisal can be ready within 24 to 72 hours. There is no obligation to proceed at any stage, and you can ask questions throughout the entire process.

How People Use Their Proceeds

Real reasons seniors choose
a life settlement

Supplement retirement income
Convert a dormant policy into ongoing financial security during retirement without touching other savings.
Cover medical expenses
Pay for treatments, long-term care, or medical bills that Medicare or insurance doesn't fully cover.
Reduce monthly costs
Eliminate premium payments that have become a financial burden and free up cash flow every month.
Help family now
Gift money to children or grandchildren when it can make a meaningful difference in their lives.
Fund a dream or travel
Use proceeds to fulfill bucket list experiences, travel, or personal goals while you're healthy enough to enjoy them.
Increase financial flexibility
Have a cash reserve for emergencies, home improvements, or simply the peace of mind that comes with liquidity.

What Our Clients Say

Real experiences from real policyholders

Names and identifying details are used with permission.

★★★★★
"I had no idea my policy had so much value left. My advisor walked me through everything at my own pace — no pressure, just honest information. The offer exceeded what I expected."
Cash received: $218,000
Donald M.
Age 74 · Retired — Tampa, FL
★★★★★
"My husband passed and I was still paying on a policy I didn't need anymore. I was ready to just surrender it, but a friend told me about this. I'm so glad she did."
Cash received: $142,500
Patricia K.
Age 71 · Widow — Phoenix, AZ
★★★★★
"After my diagnosis, I was worried about money. A life settlement gave us the funds to cover treatment and still leave something for our kids. I wish I'd known about this sooner."
Cash received: $395,000
Richard B.
Age 78 · Retired — Atlanta, GA

COMMON QUESTIONS

Answers to questions we hear every day

Yes. Life settlements are a legal financial transaction regulated by insurance departments in most U.S. states. Licensed life settlement providers must adhere to strict disclosure and compliance requirements designed to protect consumers.
Yes — if you sell your policy, your beneficiaries will no longer receive the death benefit from that policy. That's why we encourage an open conversation with your family or financial advisor before making any decisions. Our advisors are here to help you weigh all options honestly.
Absolutely nothing. Your initial policy review and appraisal are completely free. If you choose to proceed with a life settlement, the costs are built into the transaction — you pay nothing out of pocket at any stage.
When you surrender a policy, you receive only the cash surrender value — typically a fraction of its worth. A life settlement typically pays 4 to 8 times more than the surrender value, because the buyer is purchasing the full death benefit of your policy.
Life settlement proceeds may be subject to income or capital gains tax depending on your policy basis and your individual tax situation. We strongly recommend consulting a tax professional before completing any transaction. Our advisors can also connect you with appropriate resources.
Never. There is no obligation at any point in this process — not after the appraisal, not after receiving an offer, and not after your advisor call. You are in control of every decision, and you may decline or walk away at any time.

Find out what your policy
could be worth today.

Free appraisal No obligation Confidential review

PolicyValue Life Settlement Advisors | Licensed in all 50 states

Privacy Policy | Terms of Service | Disclosures

Life settlements are not appropriate for everyone. Consult your financial advisor, attorney, and tax professional before making any decisions about your life insurance policy. PolicyValue does not provide legal or tax advice.