Sell your life insurance policy,
with confidence.
Find out what your life insurance policy may be worth and see what buyers are willing to offer for it — with no obligation to sell — all from one simple platform.
Most life settlements involve policyholders age 65 or older with at least $100,000 in coverage. Results are estimates only and not guaranteed.Availability varies by state.
HOW SETTLE WORKS
Five steps. All of them online.
From your first answer to money in your bank, every step happens on your phone or computer. No office visits, no pressure, and you can stop at any point.
- 01
Complete your application online
Answer six questions about your policy and your health to start your application. No documents, no phone call, no commitment.
9:41settleBook a callWhat type of life insurance policy do you own?
Not sure which kind you have? That’s okay. Choose the option that best matches your policy documents, or select “I Don’t Know.” We’ll take it from there.
Term LifeWhole LifeUniversal LifeVariable LifeI Don’t Know - 02
See your estimate
An estimated range for your policy, right away. It’s not an offer, and you never have to sell.
9:41settleBook a callEstimated life settlement valueYour policy may be worth
$120,000Estimated range: $102,000 — $138,000Start ApplicationExample appraisal. No obligation to accept any offer.No obligationto accept any offerYour policystays in your controlMultiple buyersin our network - 03
Sign two forms online
A medical release and a policy release, signed right in your dashboard. We request the records for you.
9:41settleBook a callWelcome back, Margaret
Finish these steps so licensed buyers can review your policy.
Application complete CompleteAll sections submitted and ready for review.Review2HIPAA medical release form RequiredAuthorizes collection of medical records to evaluate life expectancy.Sign3Policy release / verification form RequiredLets us request cash value, premiums and policy status from your carrier.Sign - 04
We check if you qualify
Licensed buyers review your policy and records through our provider partners. If it’s not a fit, we tell you — no wasted time.
9:41settleBook a callYour case
Each step unlocks when the last one is done.
Application CompleteYour policy, personal and health detailsRecords In progressMedical records and policy detailsOffers LockedUnlocks once licensed buyers finish their reviewClosing LockedDocuments, escrow and payment to your bank - 05
If you qualify, the offers come in
See each offer next to your cash surrender value. Accept the best one, ask questions or walk away — it’s always your call.
9:41settleBook a callYour offers
Compare each offer with what your insurer would pay.
ExampleBuyer A$104,000Buyer B Example$118,500Buyer C$111,000Cash surrender value$38,000AcceptAsk a question
OUR MISSION
Most people who give up a life insurance policy never find out it could have been sold. We started Settle so every policy owner knows what theirs is worth before they walk away.
Is it right for you
A policy that made sense years ago may not fit today. Most people who sell are in one of these six situations.
- 1
Premiums keep rising.
When the cost of keeping a policy climbs every year, it’s fair to ask whether it still fits your life.
- 2
The coverage isn’t needed anymore.
The kids are grown or the mortgage is paid. The reason you bought it may be behind you.
- 3
Retirement income is tight.
A policy you no longer need can ease the budget twice: no more premiums, plus cash now.
- 4
Care is getting expensive.
Some families use an unneeded policy to help pay for in-home help, assisted living or medical bills.
- 5
Your plans have changed.
A divorce, a business sale or a new estate plan can leave a policy without a job to do.
- 6
You’re about to let it lapse.
Before you surrender it or stop paying, find out what else it could be worth.