Life Settlement Explained
Just like any personal property, a life insurance policy can be sold or “settled”. This is called a life settlement.

A life settlement is the legal sale of an existing life insurance policy for much more than its cash surrender value, but less than its net death benefit.

The third party assumes the financial responsibility for ongoing premiums and receives all or a portion of the death benefit when the policy reaches maturity.

WHO WE ARE

 Lifestone is a family-operated business with 55 years in the life insurance industry!

EVERYWHERE

We are licensed all across the United States to provide settlement solutions to virtually anyone!


We find great fulfillment in providing financial relief to individuals seeking to cover medical costs, long-term care, and final expenses.

FAIR PRICING

We are a boutique firm that goes the extra mile to find the fair market value for every client.  No matter the situation, we will find the fair market value meant for you!

SOLUTIONS

Your satisfaction is our #1 priority. We'll do whatever it takes to find the best solution and greatest outcome.

PERSONAL

Our primary goal in business requires a personal touch that ensures every client receives the attention they deserve.  We work with you internally and take pride in keeping third-parties excluded.

Why Choose To Sell?
Life insurance owners frequently outgrow the designed purpose of their policy. This explains why 98% of all life insurance written never results in claim.

Policy holders believe their only options are: decrease their face amount, let the policy lapse, or surrender it to the insurance company.

The truth is you can sell your life insurance policy for a lump sum of cash. You can also retain a percentage of the death benefit while never having to pay a premium again!