Sell Your Life Insurance Policy

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Free Consultation No Cost, No Obligation

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Multiple Offers We Shop for Your Best Deal

Life Settlement Services

Turn Your Unwanted Life Insurance Into Cash

Get significantly more than the cash surrender value—our team shops multiple buyers to find your best offer.

Get Your Free Quote

No Cost, No Obligation Free Policy Review Confidential Process

What Is a Life Settlement?

A life settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value but less than its death benefit.

Your Policy Has Value—Even If You Don't Need It Anymore

Many policyholders don't realize their life insurance is a financial asset that can be sold. Whether you can no longer afford the premiums, your beneficiaries no longer need the protection, or your financial situation has changed, selling your policy can unlock significant cash.

Our team works with multiple licensed life settlement providers to ensure you receive competitive offers and the highest possible payout for your policy.

Common Reasons People Sell:

Can no longer afford premium payments
Beneficiaries no longer need coverage
Changed financial circumstances or retirement plans
Health decline makes maintaining coverage difficult
Need immediate cash for medical or living expenses
Divorce or change in estate planning needs

2-5X

More Than Cash Surrender Value

65+

Typical Age to Qualify

$100K+

Minimum Policy Face Value

The Difference Is Significant

Most policyholders receive 2-5 times more through a life settlement than by surrendering their policy.

Cash Surrender Value

Lower

What the insurance company pays you to cancel your policy. Typically much lower than your policy's actual market value.

Life Settlement Value

4X+ More*

What third-party buyers will pay for your policy. On average, policyholders receive four times or more through a life settlement than surrendering.

Why the Difference?

Cash surrender value is based on the policy's cash accumulation. A life settlement value is based on the policy's death benefit, your age, health status, and current market conditions.

The amount you can receive depends on: The type of policy you have, your policy's premiums, your age, and your health status. Our team shops multiple licensed providers to ensure you receive competitive offers based on your specific situation.

*According to the Life Insurance Settlement Association (LISA), policyholders who sell their life insurance policies receive an average of four times or more than they would from surrendering their policy back to the insurance company. Individual results vary based on age, health, policy type, and market conditions.

How It Works

Simple, Straightforward Process

Our team handles everything from policy review to finding the best buyer. The entire process typically takes 30-60 days.

Free Policy Review

We evaluate your policy at no cost to determine if it qualifies for a life settlement and estimate its potential value.

Shop Multiple Buyers

Our team presents your policy to multiple licensed life settlement providers to ensure you receive the highest competitive offer.

Receive Your Cash

Once you accept an offer, the buyer handles all paperwork. You receive a lump sum payment—typically within 30-60 days.

Ready to See What Your Policy Is Worth?

Get a free, no-obligation quote. Our team will evaluate your policy and shop multiple buyers on your behalf.

Start Your Free Review

Frequently Asked Questions

Get answers to common questions about selling your life insurance policy.

What types of policies qualify for a life settlement?

Most permanent life insurance policies qualify, including whole life, universal life, and variable universal life. Term policies may qualify if they're convertible to permanent coverage. Typically, policies with a face value of $100,000 or more and policyholders aged 65+ are most likely to qualify.

How much can I expect to receive for my policy?

Life settlement values vary based on your age, health, policy type, and death benefit amount. Generally, payouts range from 2-5 times the cash surrender value. Our team shops multiple buyers to ensure you receive the highest competitive offer.

How long does the process take?

The typical life settlement process takes 30-60 days from initial review to receiving your payment. This includes policy evaluation, shopping multiple buyers, negotiating offers, and completing paperwork.

Are there any costs or fees to me?

Our policy review and quote service is 100% free with no obligation. If you proceed with a sale, fees are typically deducted from your settlement proceeds by the buyer—not paid upfront by you.

Are life settlement proceeds taxable?

Tax implications vary based on your individual situation. Generally, the amount you receive up to your cost basis (premiums paid) is tax-free, while amounts above that may be subject to ordinary income or capital gains tax. We recommend consulting with a tax advisor to understand your specific tax situation.

What happens to my beneficiaries?

When you sell your policy, the death benefit transfers to the buyer. Your beneficiaries will no longer receive a payout. However, you receive immediate cash that you can use however you choose—including purchasing a smaller, more affordable policy if needed.

Is my information kept confidential?

Absolutely. All policy reviews and settlement transactions are handled with complete confidentiality. Your personal and medical information is never sold or shared outside of the licensed settlement providers evaluating your policy.

Can I still keep my policy if I don't like the offer?

Yes! There is no obligation to accept any offer. You can review the settlement amount, compare it to your policy's surrender value, and decide what's best for your situation. You're free to keep your policy at any time.

Get Your Free Life Settlement Quote Today

Our team will evaluate your policy at no cost and shop multiple licensed buyers to ensure you receive the highest possible offer. No obligation. No hidden fees.

Start Your Free Review

100% Free Review No Obligation Confidential Process Multiple Competitive Offers

Important Disclosure

Life settlement transactions involve the sale of your life insurance policy to a third party. Once sold, your beneficiaries will no longer receive the death benefit. Our team works with multiple licensed life settlement providers to shop your policy and secure competitive offers on your behalf.

Tax and Legal Considerations: Life settlement proceeds may be subject to income or capital gains tax depending on your individual circumstances. We are not tax advisors or legal professionals and do not provide tax, legal, or investment advice. We strongly recommend consulting with a qualified tax advisor, attorney, or financial professional before proceeding with a life settlement transaction.

Licensing: Insurance products and services offered by Greg O'Rourke, Licensed Insurance Agent & Financial Professional. FL License #G166831 | National Producer #21340769 | Multi-State Licensed Agent. Not connected with or endorsed by any government agency.

What's Your Policy Worth?

Your policy has value-even if you don’t need it anymore

Tailored Insurance. Trusted Guidance.

(904) 373-8374

Mon - Sat 9am-8pm

St. Augustine, FL