What You Receive
Nothing.
How It WorksCoverage ends when premiums stop. Years of payments leave with the policy.
Best ForNo one — this is the outcome to avoid if you have other choices.
You own your life insurance policy — and you're allowed to sell it.
If you're 65 or older and own a life insurance policy you no longer need or can't afford, you may qualify to sell it for a cash lump sum — often more than its surrender value. See what yours could be worth in about 60 seconds. Free, no obligation.
Prefer to call? (954) 933-2412 · Mon–Fri 9am–5pm ET
Not sure whether your policy fits? A free review is the simplest way to find out — it takes about 60 seconds, with no obligation.
A life settlement is a regulated transaction — and thousands of seniors choose it every year.
Selling a life insurance policy is called a life settlement. You sell the policy to an institutional buyer for a lump sum, and the buyer takes over the premiums and the eventual death benefit. You walk away with cash today instead of holding a policy you no longer want. The size of that lump sum depends on several factors — we break down how life settlement payouts are calculated.
Lifestone helps seniors sell life insurance policies they no longer need. Our life settlement specialists connect you with institutional buyers so you can see what your policy could be worth and whether the market has an offer for you — with no obligation to accept. If you have permanent coverage, our deeper guide to selling a whole life insurance policy covers whole and universal life specifically.
Nothing.
How It WorksCoverage ends when premiums stop. Years of payments leave with the policy.
Best ForNo one — this is the outcome to avoid if you have other choices.
The cash surrender value the carrier offers — often a small fraction of the death benefit.
How It WorksThe insurance company buys the policy back at its internal value and closes it out.
Best ForPolicyholders who need to exit quickly and may not qualify to sell.
A lump-sum payment from an institutional buyer, often more than the cash surrender value.
How It WorksLife settlement specialists present your policy to qualified institutional buyers. If a buyer makes an offer that fits, you decide whether to accept.
Best ForPolicyholders 65+ with permanent coverage who may no longer need or want the policy.
Comparisons are general. Eligibility and outcomes depend on policy type, carrier, health, and current market conditions.
Rather than let the policy lapse for nothing, he looked into a life settlement.
With the children grown, she explored selling instead of surrendering to the carrier.
The family reviewed their options and considered a sale on the secondary market.
These are illustrative situations, not actual clients or offers. Every policy is different — eligibility and any offer depend on age, health, policy type, carrier, and current market conditions.
Age, policy type, face value, and a few health questions — about 60 seconds. No documents required up front.
A real person at Lifestone reaches out to confirm a few details. Not a script — an actual conversation.
As life settlement specialists, we walk your policy through the market to see what may be possible — you only deal with us.
If a buyer makes an offer, you decide whether to accept. There is no obligation, and your information stays private either way.
It costs nothing to find out, and there is no obligation either way.
Or call (954) 933-2412 · Mon–Fri 9am–5pm ET