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Sell Your Life Insurance Policy for Cash Today

Discover the True Value of Your Life Insurance Policy

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What Makes Us Different From Others?

We work to provide results & peace of mind for our clients

ACCESS TO MORE BUYERS THAN ANY OTHER FIRM
20+ YEARS
OF EXPERIENCE
BEST QUOTE IN THE INDUSTRY GUARANTEE

How it Works

Discover our 4-step process

Step 1

Complete the client intake form

Step 3

We negociate with buyers for best deal

Step 2

We calculate your payout to the maximum

Step 4

Accept the deal and collect your money

Policies bought last year
%
Up to 90% of Death Benefits Received
Trained Agents Ready to Assist
+
Banking institutions
Years of Experience

Meet Our Team Members

We aim to help our clients get the top life insurance settlements in the country.

Dr. Elijaah Goins, PharmD
COO
Carlos Gutierrez
OWNER / PRESIDENT
Drake Sinclair Sanders
CEO / Founder
full team

Read These Case Studies

WHAT PEOPLE SAY ABOUT US

This 88 year old male and 87 year old female could no longer afford insurance coverage that was no longer needed. Their plan was to surrender the policy for a small cash amount. Life Insurance Settlements Inc. was able to secure them a life settlement 3 times more than their surrender amount. 

$2,000,000 Pacific Life - Survivorship Policy

This 59 year old woman had a convertible term policy and was battling lung cancer. She made the financial decision that converting her policy and paying higher premiums was not what she wanted to do at this stage in her life. She needed money to pay for quality healthcare and to be able to have the opportunity to enjoy her limited time with her beloved family. 

$2,000,000 Prudential – Convertible Term Insurance Policy

This 74 year old man was in relatively good health when he applied with Life Insurance Settlements Inc. He could no longer afford his coverage and used whatever cash he had in the policy to keep the policy enforced. He was simply going to let his policy lapse and receive absolutely no payout from the life insurance carrier. Life Insurance Settlements Inc. was able to negotiate a life settlement of $45,000.

$525,000 Lincoln Life – Universal Life Insurance Policy

Frequently Asked Questions

Get prompt responses from a friendly, professional and knowledgable support team.

What is my policy worth?

Policy amounts and payouts differ, making it impossible to set a standard amount. However Life Insurance Settlements Inc represents you in this transaction to ensure that you receive the highest possible settlement.

How long does it take to get the funds from my policy?

Funds are released from escrow within 72 hours of the buyer’s receipt of confirmation of change of ownership and beneficiary rights from the insurance company.

Do I qualify for a life settlement if I have a terminal or catastrophic illness?

Yes, terminally ill individuals are typically well-qualified for life settlements (also known as “viatical settlements”). We have been very successful in obtaining outstanding results for individuals living with terminal illnesses.

How am I protected and do I have to pay anything upfront?

There are no out of pocket costs when we work with you and you have no obligation to sell your policy or to accept any offer. A third party escrow company is used in every transaction and we work with only the most reputable licensed companies in the industry.

Will my privacy be protected?

Absolutely. Our privacy policy ensures that your identity is never revealed to anyone without your consent

Who should consider a life settlement?

Anyone over age 65 or who is living with a serious illness that no longer needs their life insurance policy.

Is a life settlement legal?

Yes. According to a U.S. Supreme Court ruling stretching back almost a century, a life insurance policy is considered your personal property. You can sell it, trade it, or give it away. Your insurance company generally has no right to block or question your assignment of policy rights.

Wouldn't it be easier to return my policy for the surrender amount?

This can be a costly decision. Generally speaking, the surrender amount is a fraction of what we can sell it for in a life settlement.

From our blog

Checkout some of our recent blog posts and stay up to date on current tech related to VR

Why Sell Your Life Insurance Policy?

Many Americans discover that their personal or financial circumstances have changed over the years and that the original reasons for buying a life insurance policy no longer exist. Being free from the financial burden of paying premiums, while receiving a lump sum payment, may now be a better choice.

How Life Insurance Settlements Works

In 1911, a sick patient named John Burchard was having trouble paying his hospital bills. He was terminally ill and had but a few more months to live. Fortunately, he had a life insurance policy that he wished to cash in. The patient asked his doctor, who was taking care of him at the time, if he could purchase his life insurance policy before death, and receive the benefits after he had died.

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Questions – Call (310) 488-9810

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