stress-free life settlements
Here’s how it works
We remove all obstacles from the life settlement process.
1.
Get an appraisal
Answer a few questions entirely online about your policy to see if you may qualify for a cash payout.
2.
Meet with an advisor
A Settle team member will review your policy and walk you through what buyers are looking for.
3.
Review offers
We bring multiple buyers to the table so you can compare real offers and choose the best one.
4.
Close and get paid
Once you accept an offer, we handle the paperwork so you receive your funds quickly and securely.
Why a life settlement?
✔️ Boost Retirement Income
Supplement your savings or Social Security to enjoy a more comfortable, worry-free retirement.
✔️ Cover Long-Term Care Costs
Pay for ongoing healthcare, in-home care, or assisted living expenses without tapping into other assets.
✔️ Eliminate Debt or Financial Stress
Use the funds to pay off mortgages, credit cards, or other debts and gain peace of mind.
✔️ Support Family or Leave a Legacy
Gift money to children or grandchildren, fund education, or make charitable contributions that reflect your values.
why choose settle?
Modern transparency for an outdated industry
Settle replaces hidden fees and paperwork with a digital process that gives you full visibility from offer to payout.
Comparison
Settle
Others
Commission
Fixed 8–10%
Up to 30–40%
Process
Transparent & fully digital
Paper-heavy & slow
Buyer Access
Multiple institutional buyers
Limited network
Speed to Offer
Within days
4–8 weeks
Extra Fees
Never
Often hidden
Privacy & Security
HIPAA-secure, confidential
Shared across middlemen
Appraise your policy in minutes
Get a cash offer and explore the ways we can help you sell your life insurance policy.
Get an Instant Policy Appraisal
Have a valuation within 5 minutes!
A message from our CEO
A new chapter in life settlements
Every year, more than $200 billion in life insurance is surrendered or allowed to lapse — often without the policyholder realizing they had another option.

What many don’t know is that those same policies could be sold on the secondary market for far more than the surrender value. That’s called a life settlement — and it could mean tens or even hundreds of thousands of dollars in cash.

With Settle, you can now discover your policy’s potential value in seconds. If it qualifies, we’ll match you with licensed, vetted buyers competing to make you an offer.

We created Settle to serve:

✔️ Seniors who no longer need or can’t afford their life insurance
✔️ Adult children helping parents navigate financial decisions
✔️ Advisors and agents who want to deliver more value to their clients
✔️ Anyone who deserves to know what their policy is truly worth

The life settlement process has been too complex for too long. We're here to fix that — with clarity, technology, and dignity at the core.

Thanks for being part of this new chapter in life settlements.
Tanson Bothe
Founder & CEO
Common Questions
We’re here to answer all your questions and make sure you feel confident and informed every step of the way.
What do I need to do to prepare my policy for sale?
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You’ll simply provide basic information about your life insurance policy such as the carrier, face value, and policy type and our team will work with you closely on everything else, including medical record requests and buyer communication.
How do you determine my policy’s value?
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We review your policy details, age, health information, and current market conditions to estimate what buyers are likely to pay. Then we run a competitive bidding process to get you the best offer available.
How long does the life settlement process take?
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Most sellers receive an initial offer within 5–10 business days, and the full transaction typically completes within 4–6 weeks once you accept an offer.
What costs are involved in selling my policy?
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There are no upfront costs. Settle’s commission is built into the offer, so you never pay anything out of pocket. You’ll always see a full breakdown before moving forward.
How will you market my policy?
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We present your case to multiple institutional and private buyers who compete to purchase your policy. This competition helps drive up your payout and ensures a fair market value.
Do I need to speak with buyers directly?
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No. We handle all buyer communication and negotiations for you. You’ll only review offers and decide which one feels right, we take care of the rest.
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“They made the whole process simple.”
I didn’t even know you could sell a life insurance policy until I found Settle. They explained everything clearly, handled the paperwork, and got me an offer much higher than I expected.
Robert H., Dallas
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"I finally got real value from my policy."
After paying premiums for years, I thought about letting my policy lapse. Settle helped me turn it into cash that I used for medical expenses and to help my grandkids.
– Michael H., Tampa
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"Transparent, professional, and fast."
I’d looked into selling my policy before, but the process always felt confusing. Settle made it easy to understand, kept me updated, and helped me close quickly with no pressure.
– Tom S., New Hampshire
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