Most seniors are sitting on a gold mine and don't know it.Most seniors are sitting on a gold mine and don't know it. Free to find out — no obligation, ever.

Life Settlement Specialists

Your life insurance
is worth far more
than you know.

You may be able to sell your life insurance policy for a large lump sum of cash — often much more than what your insurance company would offer you to walk away.

Completely free review — no cost, ever
Most clients receive an offer in 2 to 3 weeks
No obligation to sell — you decide

Life Settlement Calculator

Free and confidential — takes less than 60 seconds to complete

This program is designed for:

Age 65 or older$100,000 or more in coverageA change in health since your policy was issued
Your Age1 of 7
How old are you?
4–11×
More cash than your insurer's surrender offer, on average
2–3 wks
How quickly most clients receive a firm offer
$200B+
In life insurance lapsed every year without a settlement
$0
Cost to you for the review — completely free, always
What We Do

Turn a policy you may not need into cash you can use today.

A life settlement is the legal sale of your existing life insurance policy to a third-party buyer. Instead of letting the policy lapse — or surrendering it to the insurance company for very little — you can receive a substantial lump sum of cash.

Most people don't know this option even exists. At Lifestone, we've made it our mission to change that. We are a family firm, and we treat every client with the personal care and attention they deserve.

A Real Example
Here is what the difference can look like.
Policy face value$500,000
Cash surrender value from insurer~$20,000
Life settlement offer through Lifestone$110,000+

Illustration only. Actual amounts vary by age, health, policy type, and face value.

The Process

Simple. Transparent. Guided.

You will always know exactly what is happening and what to expect next. No surprises, no confusion.

1

Free Policy Review

Answer a few short questions about your policy. No cost and no commitment. We'll tell you quickly whether you qualify.

2

We Handle the Paperwork

Our team collects everything needed directly from your insurance company. You won't have to chase anyone or fill out confusing forms.

3

You Receive an Offer

We present you a competitive cash offer. Take all the time you need to review — you will never feel rushed by us.

4

You Get Paid

Accept and receive your lump sum of cash. The buyer takes over your premiums — you're done paying forever.

See It In Action

What Is a Life Settlement?

Watch this short video to understand how a life settlement works and whether it could be right for you.

Prefer to call? (954) 933-2412
Eligibility

Do you qualify?

Most people who qualify don't know it. Here is what typically makes someone eligible:

  • You are 65 years of age or older
  • Your policy has a face value of $100,000 or more
  • You have a Universal Life, Whole Life, or Convertible Term policy
  • Your policy has been active for at least 2 years
  • A change in health since issue can increase your offer
  • Not sure? We will check for you — free, no strings attached

What your policy could be worth

If you let the policy lapse or stop paying
$0
Cash surrender value from your insurer
Low
Life settlement through Lifestone
4–11×
more
Why Lifestone

The Lifestone difference.

We are a family firm. Not a call center, not a corporation. We go the extra mile for every single client.

Real People, Real Care

You will always speak directly with someone who knows your case — no transfers, no hold music, no automated systems.

100% Confidential

Everything you share is encrypted and strictly private. We never sell or share your information with anyone, for any reason.

Fully Regulated & Compliant

We work only with approved providers and comply with all state regulations. Your transaction is safe, legal, and completely above board.

Maximum Policy Value

We take your policy to the open market to find the best possible offer — not just the first number that comes through.

Zero Fees to You

Your review is completely free. You never pay a cent out of pocket — ever.

We Handle Everything

Our team coordinates directly with your insurance company so you never have to fill out complicated forms or chase anyone.

Client Stories

What our clients say.

We measure our success by how well we take care of the people who trust us.

★★★★★

I tried working with other companies before Lifestone. No one else gives the attention or care that these guys do. I never felt rushed or pressured — not even once.

Sherry L.
New York, NY
★★★★★

This is the best company I have ever worked with. The process was so much smoother than I expected and they kept me informed the whole way. I will refer everyone I know.

Robert M.
Florida
★★★★★

I had no idea my policy had this much value. The Lifestone team was honest, transparent, and truly cared about getting me the best outcome. I am so grateful I made that first call.

Margaret T.
Florida
Get In Touch

Let's find out what your policy is worth.

Fill out the form and a real Lifestone specialist will call you within 1 business day. There is no cost and absolutely no obligation to proceed.

📍
Office
2211 E Sample Rd, Suite 205
Lighthouse Point, FL 33064
🕑
Hours
Monday – Friday, 9 AM to 5 PM EST

What happens next?

1We review your policy details and reach out within 1 business day.
2If your policy qualifies, we present offers from multiple buyers.
3You decide whether to accept — no pressure, no obligation, ever.
No obligation — everYour information is never sold or sharedReal people, no automated systemsFamily owned and operated in Florida
★★★★★

“I had no idea my policy had this much value. The Lifestone team was honest, transparent, and truly cared about getting me the best outcome. I am so grateful I made that first call.”

— Margaret T., Florida
★★★★★

“This is the best company I have ever worked with. The process was so much smoother than I expected and they kept me informed the whole way. I will refer everyone I know.”

— Robert M., Florida

Start Your Free Policy Review

$

🔒 Completely confidential. We never sell or share your information.

Common Questions

Frequently asked questions.

Still have a question? Call us at (954) 933-2412 — we are happy to talk it through.

No. 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 a licensed third-party 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 licensed 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?

Free review. No cost. No obligation. A real person calls you — not a recording.

Takes less than 2 minutes to get started  ·  Call us: (954) 933-2412
From Our Blog

Resources & Insights

Learn more about life settlements, policy valuation, and making informed decisions about your life insurance.

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