Sell your life insurance for cash.
- Completely free reviewNo cost to you, ever
- Offers in 2 to 3 weeksFor most of our clients
- No obligation to sellYou decide, with no pressure
Life Settlement Calculator
Free and confidential — takes less than 60 seconds to complete
You may qualify if:
- Age65+
- Coverage$100K+
- HealthChanged
Health: any change since your policy was issued. Not sure? The questions below will tell you.
- 4–11×
More than surrendering
- 2–3 wks
To a firm offer
- $200B+
Lapsed every year
- $0
Cost of your review
You have a third option.
Your insurer only mentions two. Here's what a $500K policy could get you each way.
- $0Everything you paid in is gone.
- ~$20,000Usually a small fraction of its value.
- $110,000+Buyers compete. You keep the cash.
Example based on a $500,000 policy. Illustration only. Actual amounts vary by age, health, policy type and face value.
Simple. Transparent. Guided.
Four steps. We guide you through every one.
- About 2 minutes
Free review
Answer a few quick questions.
- Done for you
We do the paperwork
We get everything from your insurer.
- In 2–3 weeks
Get your offer
Take your time. No pressure.
- One lump sum
Get paid
Cash in hand. No more premiums.
What Is a Life Settlement?
Watch this short video to understand how a life settlement works and whether it could be right for you.
Read the transcript
If you've never heard of a life settlement, you're not alone — and it can sound too good to be true at first. Here's what it looked like for one of our clients, so you can see if it might make sense for you too.
This is Bob. He's 75, retired, his kids are grown, and his house is paid off. Life is pretty good.
But Bob has a $250,000 life insurance policy — and every year, the premiums get harder to keep up with. Bob realizes he doesn't need the coverage the way he used to, and decides it's time to let it go.
He starts looking at his options. He calls his insurance carrier about surrendering the policy — but they only offer him $1,000. His other option? Let it lapse, and get nothing at all.
After years of paying into this policy, walking away with next to nothing didn't sit right with Bob. It felt like there had to be a better way.
So Bob does some research, and finds a third option he'd never heard of — a life settlement. He could sell his policy to a licensed buyer for far more than his insurer offered.
Why would a buyer pay so much more than the insurance company? Because they take over the remaining premiums, and eventually receive the death benefit — so it's worth more to them than it was to Bob's insurer.
That's when Bob found Lifestone Settlements. With their help, a buyer purchased his policy for $80,000 — eighty times what his insurer offered to surrender it.
With that money, Bob padded his savings, paid off medical bills, and finally took the trip he'd been putting off for years.
So — what's your policy really worth? Find out with a free, no-obligation review from Lifestone Settlements.
Do you qualify?
Most people who qualify don't know it. These are the four things buyers look for:
- Your age65+Years old or older
- Face value$100K+Death benefit on the policy
- In force2+ yrsSince the policy was issued
- Policy typeUL · WLUniversal, Whole Life or Convertible Term
Boosts your offerA change in health since your policy was issued often means a higher cash offer.
We'll check for you, free.
Answer seven short questions about your policy. We'll tell you honestly if it qualifies, including when the answer is no.
Or call (954) 933-2412
A real person on every callYour specialist stays with you from the first review to the day the cash arrives.
The Lifestone difference.
We are a family firm. Not a call center, not a corporation. We go the extra mile for every single client.
- One person
Real People, Real Care
One specialist on your case. No transfers.
- Private
100% Confidential
Your information is never sold or shared.
- Licensed
Fully Regulated
Approved providers, state-compliant.
- Competition
Maximum Policy Value
Multiple buyers bid for your policy.
- $0
Zero Fees to You
Never pay out of pocket.
- Done for you
We Handle Everything
Your insurer and all the paperwork.
In their own words.
“They actually seemed to care about helping my dad instead of just trying to close a deal.”
Team Lifestone worked very hard to help me throughout the process. Alexandra and Peter are hardworking and gave me 110% effort working through the world of Life Settlements!
Best experience with a life insurance advisor regarding a conversion of a term policy. Dave was more helpful than any other firms advisor who I had reached out to. I would recommend you contact him because I had a very good experience.
The representative David was clear in letting me know the conditions needed for a possible transfer. He was very professional.
Working with David was pleasant, he was very professional and willing to help!!
Copied word for word from our public Google Business Profile.
Travel the world. Cover the medical bills. Treat the grandchildren.
The cash from selling your policy comes with no conditions on how it is spent, and no more premiums leaving your account every month.
The road trip
More time together
Easier mornings
Peace of mind
Let's find out what your policy is worth.
A real Lifestone specialist will call you within 1 business day. No cost, no obligation.
- We review your policy within 1 business day
- Buyers compete to make you an offer
- You decide. No pressure, ever
- About you
- Your policy
- Your health
- Your details
Let's start with you
No obligation, ever · Your information is never sold or shared
Based on industry research (LIMRA): more than $200 billion in U.S. life insurance lapses or is surrendered each year.
Frequently asked questions.
Still have a question? We are happy to talk it through.
(954) 933-2412No. The review is completely free and there is zero obligation to proceed. You decide if and when you want to move forward.
Never. We are not here to push anyone into anything. Our job is to give you honest information and let you make the best decision for yourself.
Yes — completely. We never sell, share, or disclose your information to anyone for any reason.
A life settlement is the legal sale of your existing life insurance policy to an institutional buyer. You receive more cash than your insurer would offer to surrender it. The buyer takes over all future premium payments and eventually receives the death benefit when the policy matures.
It depends on your age, health, policy type, face value, and current premium costs. On average, clients receive between 4 and 11 times more than what the insurance company would pay them to surrender. We will give you an honest, no-pressure estimate after your free review.
Absolutely not. The review is 100% free and there is zero obligation to proceed. Many people simply want to understand their options. You make the final decision on your own timeline, with zero pressure from anyone at Lifestone.
Most clients receive a firm offer within 2 to 3 weeks of starting the process. Our team handles all coordination with your insurance company — you won't have to fill out complicated forms or chase anyone for information.
Not at all. Many clients qualify simply based on their age and the type of policy they have. A change in health since your policy was originally issued can increase the offer you receive — but it is not a requirement. We will assess your specific situation for free.
In some cases, yes. You may be able to sell only a portion of your policy, receive a cash payment, retain a reduced death benefit for your beneficiaries, and stop paying premiums entirely. We will walk through every available option with you during your review.
Yes. Life settlements are a legal, regulated financial transaction recognized across the United States. We work exclusively with approved providers and comply fully with all applicable state regulations to ensure your transaction is safe, fair, and completely above board.
Ready to find out what your policy is worth?
A real Lifestone specialist reviews your policy and calls you. You won't get a recording.
- No cost
- No obligation
- Takes 2 minutes
