Definition of a Life Settlement:

A life settlement is defined as a financial transaction in which a policy owner possessing an unneeded or unwanted life insurance policy sells the policy to a third party (the funder) for more than the cash value offered by the life insurance company. The purchaser becomes the new owner and beneficiary of the policy and is responsible for all subsequent premium payments. Or simply stated, a life settlement is the sale of a life insurance policy for a lump sum that is greater than the policy’s cash surrender value, but less than its death benefit.

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We offer life insurance owners the option to sell their policies in exchange for a lump sum cash payment. The cash payment we can offer you is always greater than the cash surrender value offered by the insurance company. We have several years of experience in this industry and we specialize in personal care and attention to our clients. Let us help you find the best offer for your Life Insurance Policy in the secondary market.