top of page
Unlock liquidity with a life insurance settlement!

If you are age 70 or over: 

  • Don’t pay for unneeded life insurance.

  • Don’t be forced to surrender your policy or let it lapse.

  • Get a fair market price in cash for your policy.


Our life settlement calculator is the most advanced life settlement calculator in the world. It analyzes millions of data points and appraises policies in just minutes.


We also have the industry’s largest real-time exchange auction for life settlements, guaranteeing your policy will be seen by all of the major buyers and net 50% higher offers than the industry average.


When a case is listed on our exchange, we provide access to real-time bidding, and also provide transparency from start to finish.


To receive an estimate for your policy, please contact us for a discussion. (See additional information below)

What are life settlements?


Many perceive the value of life insurance as the death benefit. However, the majority of policies will lapse or be surrendered without paying the death benefit, returning either nothing or pennies on the dollar to the policyholder. That’s not a financial strategy — it’s a waste of wealth.


Life settlements allow policyholders to sell policies they don’t want or can’t afford on the secondary market for prices that can be 4 to 11 times higher than the surrender value.

For seniors, that means more cash on hand to enjoy retirement, pay medical bills, and support their families. For you, it means providing the best possible options to clients and creating a new revenue stream in the process.

As your needs change over time, retaining your life insurance policy may or may not be the best choice for you.

With only a few basic questions, our tool can provide an instant estimate of your policy’s value and a detailed analysis of the future settlement value compared to keeping the policy. With this information in hand, you can make the best decision for your future.

Get 50% higher offers than the industry average

When you get just a few offers on a client’s life settlement from direct buyers, you’re unlikely to get close to fair market value.

How our Life Exchange streamlines life settlements


Our service  brings together the industry’s largest institutional buyers in one online marketplace, using live online auctions to increase competition and get your clients the highest possible offers for their life insurance policies.


Our life settlement exchange streamlines the process of selling a policy, starting with our policy evaluation tool that can qualify policies in your book of business in less than five minutes.

Once you’ve identified eligible policies, you can easily list them on our life settlement auction — where they’ll be visible to most of America’s largest buyers. You’ll save time by listing a policy once instead of doing individual applications to different providers, and the increased visibility will help drive up the sale price as buyers make bids through our live auction. Policies listed on our life settlement platform get over 32% of the face amount for sellers, which is 54% higher than the industry standard.


With personalized service, unparalleled transparency, and seamless transactions, all you need to do is list policies and watch the bids roll in.

Why are life settlements beneficial? 

A life settlement is often the most fruitful method to liquidate life insurance, since life settlement investors normally pay more than the policy’s surrender value. In some cases, policyholders can get as much as 60% of the policy’s face value. The extra cash could solve a retirement savings shortfall, without requiring a lifestyle downgrade or a reverse mortgage.


What types of life insurance policies qualify for a life settlement?

Individual and group universal life, variable life, whole life, and convertible term life policies normally qualify for life settlements. Non-convertible term life is sometimes sellable, depending on the status of the level-term period and the health of the insured.


How do we begin? 

We start by taking inventory ofyour existing life insurance policies. We review the beneficiaries, death benefits, and premiums. We discuss your goals with respect to end-of-life wealth transfer and your willingness and ability to continue making premium payments. If our analysis uncovers redundancies or unnecessary coverages, it could be time to discuss options for liquidating or eliminating some of those policies.


The options including lapsing, surrendering, or selling the unwanted life insurance. Letting a policy lapse wouldn’t normally provide any cash proceeds, though it would keep the policy in force for a longer period of time. The policyholder would simply stop making premium payments. The insurance company would use any accumulated cash value to fund those payments going forward, until the cash runs out. There is a grace period, but the insurer will eventually cancel the insurance if no payment is made.


Surrendering the policy cancels the coverage immediately. The insurer pays the policyholder any accumulated cash value, less surrender fees. Surrender fees can be very high if the policy is only a few years old. Any gains recognized as a result of the surrender payment would normally be taxable.


Selling the policy in a life settlement usually results in higher cash proceeds for the policyholder, but the process can take two to four months to complete. As with a surrender, gains on the policy are usually taxable.

bottom of page