How to Sell Your Life Insurance Policy

Fill out our short form online or give us a call. We'll ask about your policy type, face value, and a little about the insured's age and health. This is completely free and there's no obligation.

A licensed specialist reviews your information to confirm your policy qualifies. We'll contact you to discuss your situation and answer any questions. If your policy qualifies, we'll explain the next steps.

You'll need to provide basic documents: your insurance policy summary or in-force illustration, recent premium statements, and basic medical authorization forms (standard, HIPAA-compliant). We'll guide you through exactly what's needed.

• Policy summary or in-force illustration
• Recent premium statement
• Medical release authorization (HIPAA)
• Photo ID

Buyers typically order a life expectancy report from an independent medical underwriting firm. This is standard in life settlements. The report is confidential and used only for valuation purposes. We handle coordinating this for you.

This is where the real work begins. Your policy is submitted to a network of qualified institutional buyers and a competitive bidding process runs to maximize your offer — with a fiduciary-licensed broker negotiating on your behalf.

We present you with all the offers we receive. You review them at your own pace with zero pressure. We'll explain each offer clearly and answer any questions. You decide whether to accept — or decline.

If you accept an offer, the buyer prepares the closing documents. You sign the policy transfer paperwork with the help of a notary (we make this easy). The policy ownership transfers to the buyer.

Your funds are deposited into an escrow account at closing and released to you upon final verification. You receive your cash payment by check or wire transfer. The entire process from start to payment typically takes 60–90 days.