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.
Many seniors don't realize a life insurance policy they no longer need — or can no longer afford — may be worth a lump sum today, instead of being surrendered for far less or lapsing for nothing.
Prefer to call? (954) 933-2412 · Mon–Fri 9am–5pm ET
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.
Lifestone helps seniors sell life insurance policies they no longer need. Our life settlement specialists connect you with institutional buyers so you can see whether the market has an offer for you — with no obligation to accept.
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.
Premiums had become hard to keep up with.
The coverage was no longer needed.
The policy no longer fit the family's needs.
These are illustrative examples, not actual clients or offers. Every policy is different — amounts depend on age, health, policy type, carrier, and current market conditions. Lifestone cannot promise any specific amount.
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