Your policy could be worth more than you think.

SeniorSettlement.co is building a simpler, more transparent way for seniors to explore life settlements: selling an existing life insurance policy for a lump sum.

Join the waitlist

New to life settlements? Read FINRA’s guide for investors.

How a life settlement works

In plain language, based on guidance from FINRA, the Financial Industry Regulatory Authority.

You own a policy you may no longer need

Many seniors find their life insurance no longer fits: kids are grown, the mortgage is paid, or premiums have become a burden.

You sell it to a third party

In a life settlement, you sell your existing policy to a licensed buyer. You receive a lump-sum payment for it.

You get cash, not just surrender value

The payment is generally more than the policy’s cash surrender value, and less than the death benefit.

Things to consider first

A life settlement is a big decision. FINRA suggests weighing these points carefully, and so do we.

Your ongoing needs. Make sure you, and anyone who depends on you, will be covered without this policy.
Alternatives. There may be other options, such as borrowing against the policy or adjusting the coverage.
Fair pricing. Settlement offers can vary widely. Getting more than one perspective matters.
Taxes and benefits. A settlement can have tax consequences and may affect eligibility for public benefits.
Your privacy. Buyers review medical and personal information as part of the process.

Be first to know

We are building SeniorSettlement.co now, with transparency and education at the center. Join the waitlist and we will let you know the moment we launch.

Join the waitlist