How it works
Simple, online, and always your call.
See an estimate in about a minute, then decide if you want licensed buyers to make offers. You can stop at any point.
Who qualifies
You may qualify if…
You are 65 or older
Most policies sold belong to people in their late 60s and beyond.
Coverage is $100,000+
The death benefit is usually at least $100,000.
The right policy type
Universal, whole or convertible term life insurance.
Your health has changed
Changes since the policy was issued can raise its value.
How does it work?
The easiest way to sell your life insurance policy.
- 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.
About a minuteFree9:41settleBook 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 Highest$118,500Buyer C$111,000Cash surrender value$38,000AcceptAsk a question
Phone screens are examples. The appraisal is free and you never have to sell. Whether a policy qualifies — and the size of any offer — depends on your age, health, policy type and coverage. Offers are not guaranteed. Availability varies by state.
What it costs you
$0
The appraisal and the process are free to you.
To see an estimate
0 minute
Six questions, answered online.
Start to payout
0
Typical time from application to payment.
Why people sell
Life changes. Policies can too.
Premiums went up
The cost of keeping the policy grew faster than it was worth to you.
The kids are grown
The people it was meant to protect no longer depend on it.
Paying for care
Cash now can help with in-home help, assisted living or medical bills.
More for retirement
Turn an unused policy into money you can enjoy today.
A term policy is ending
Some convertible term policies can be sold before they expire.
Plans changed
Divorce, a business sale or a new estate plan can leave a policy unneeded.