Qualification
Do you qualify? Here's what we look for.
Four factors determine whether your policy has market value. Most people are surprised by how many of them they meet.
Life settlement eligibility depends on the policyholder's age (typically 65+), health status, policy type (universal, whole, variable, or convertible term life), and face value (usually $100,000 or more).
Qualification
Four factors determine whether your policy has market value. Most people are surprised by how many of them they meet.
Typically 65 or older. Younger policyholders may still qualify if there have been significant health changes since the policy was issued.
$100,000 or more. Higher face values generally attract more buyer interest and more competitive offers in the settlement market.
Universal life, whole life, variable life, or convertible term. Some group life policies qualify as well. If you're unsure what type you have, we can help identify it.
Any health change can increase your policy's market value. Diabetes, heart disease, cancer, COPD — conditions that shorten life expectancy increase what buyers are willing to pay.
The fastest way to find out is a 5-minute conversation. We'll tell you honestly whether your policy has market value.
We don't waste your time, and we won't push you to proceed if the numbers don't make sense. Clarity is the whole point.
Check Your Eligibility
You don't need to be terminally ill.
Life settlements are available to healthy seniors and those with manageable health conditions alike.
You don't need to be in financial distress.
Many people sell policies simply because they no longer serve their original purpose. That's a perfectly good reason.
You just need a policy you no longer need or can no longer afford.
That's the threshold. If it fits, it's worth finding out what it's worth on the open market.
Settlement value isn't random. These are the factors institutional buyers evaluate when bidding on your policy:
Older policyholders generally receive higher settlement offers. Most buyers focus on ages 65+.
Health changes often increase settlement value. Shorter life expectancy = higher offer from buyers.
Higher face values attract more buyers. $100K minimum; best results above $250K.
Universal life settles most often. Whole life, variable, and convertible term also qualify.
Lower ongoing premiums make the policy more attractive to buyers, resulting in higher bids.
More bidders = higher price. A broker ensures maximum market exposure for your policy.
Most life settlement buyers require the insured to be 65 or older. In some cases, people as young as 60 with significant health changes may qualify.
Most buyers require a minimum face value of $100,000. Policies with higher face values — $250,000 and above — typically attract more competitive offers.
Convertible term life policies can often be settled. The policy must have a conversion option that allows it to be converted to permanent coverage before the conversion deadline.
Yes. Counterintuitively, health declines can increase your settlement value because they shorten the buyer's expected holding period, making the policy more valuable at auction.
You should only sell if you no longer need the death benefit coverage. Life settlements are best for people whose insurance needs have changed — children are grown, mortgages are paid, or business obligations have ended.
Let's find out. A 5-minute conversation is all it takes to know if your policy has market value.