Life-settlement questions.

A surrender ends the policy with the insurance company in exchange for any available cash surrender value, after applicable charges. A life settlement sells the existing policy to a third party, which becomes the owner and pays future premiums. Ask about the net amounts, costs, and consequences of each option.

No. Whether a transaction is possible depends on the policy, the insured person's circumstances, applicable law, and a buyer's requirements. This site does not determine eligibility. A licensed professional where required can explain the requirements that apply to a particular policy.

There is no standard amount. Age, health, premiums, the death benefit, policy terms, and buyer interest can affect offers. This site does not value policies, obtain bids, or promise an offer. Ask a professional to explain all costs and the amount you would receive after them.

In a life settlement, the buyer receives the sold policy's death benefit when the insured person dies. The original beneficiaries no longer receive that benefit under the sold policy. Consider their needs and discuss any remaining coverage with your own advisers.

Do not assume that proceeds are tax-free. Tax treatment depends on your circumstances. A cash payment may also affect eligibility for public assistance, including Medicaid. Consult your own tax and benefits advisers before agreeing to a sale.

A prospective purchaser may require personal, medical, and policy information to evaluate a transaction. Ask who can access it, whether it can be shared, and whether ongoing health updates are required. This website has no form for collecting that information.

No. This is an educational website, not a licensed broker or provider. Its purpose is to help you understand life settlements and prepare to speak with a licensed life-settlement partner. We do not buy or assess policies, seek offers, negotiate transactions, or give individualized advice. Confirm any receiving company's role and required licenses with your state insurance department.

Not yet. No receiving-company form is connected, and a phone number has not been provided. The planned online form will be hosted by the receiving company. Its identity, privacy terms, referral disclosures, and technical setup must be verified before access opens. Scheduling and webinars are also unavailable.