In 2019 almost 10MM senior-owned life insurance policies were terminated without any value as they ran out of cash.

What is amazing is why didn’t more policy owners take advantage of a strategy called life settlements which could have provided them with cash for their policies?

The primary reasons are the following:

  • Lack of awareness that such a strategy exists…some people call them viaticals and in the past, this has had a negative connotation
  • Viaticals are actually the definition for those policy owners who have been medically judged to have two years or less to live
  • Contact us if this is the case as perhaps we can help you obtain the maximum value from your policy from the insurance carrier or specialized buyers
  • 40% of policies are called “orphan” policies as no agent is there to advise the policy owner
  • Not connecting with a life settlement broker instead of a direct buyer
Insurance Settlement
Insurance Settlement

What is the difference between a life settlement broker and a direct buyer like Coventry Direct, Abacus, or Magna?

The broker is paid a success fee for his services selling your policy to a third-party institutional buyer generally and therefore wants to obtain the highest price possible for the client.

The direct buyer on the other hand wants to buy at the lowest price possible as they are keeping the policy for themselves.

Beware who you are dealing with before signing up with someone.

Why would someone want to sell their policy to a third party?

  • Many reasons…
  • Costs have gone up on their policy and it is not affordable anymore
  • The reason for which the policy was purchased such as estate taxes, family income, etc. does not exist anymore
  • The policy owner has a need for immediate cash to cover medical or other expenses
  • The client wants to make a charitable contribution to the policy

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To receive the best possible estimated worth of your life insurance policy, enter your policy information below.

For Two-Life Policyholders, please use the healthier's person information when filling in the health status, gender, and age categories.


Please note that this is just an estimate based on the information you have provided above. Your offer may vary based on several factors during the underwriting process.

- Actual premiums due - Actual underwriting process - Existing cash values - The accuracy of the information provided - Existing loans - Carrier changes



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Get a FREE and SECURE instant estimate of how much your life insurance policy will be worth when you sell it.

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Please note that we will not be able to generate a value for you if:

(1) You are below the age of 60 UNLESS you had a significant change in health after your policy was issued,

(2) You have a term policy UNLESS it is convertible AND you had a change in health after your policy was issued.



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Health & Policy Information

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CALL US IF YOUR POLICY HAS CASH SURRENDER VALUE AS IT IS NOT INCLUDED IN THIS VALUATION: 216-857-0282

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