If you’re age 62 or older, or have a chronic medical condition, you may qualify for an immediate cash payout on your life insurance policy.
Let us help give you financial flexibility and make your lifelong investment in your life insurance policy pay off.
“When I spoke to the principals of the company, I found them to be genuinely compassionate, understanding and fair. Within a relatively short period of time we agreed on a price for my policy that was more than I could have hoped! Money I used immediately to pay off bills and other expenses.
Since then, I’ve sold several other policies through the friendly people at LifeSaver Settlements, all quickly, easily and for more cash. You should speak with them right now if you are thinking about selling your life insurance policy. My experience has been nothing short of life changing!”
- Larry S.
LifeSaver Settlements and their affiliated companies are reputable life settlement firms. Our Principals, brokers, and agents collectively have decades of experience covering all aspects of the Life Settlement industry. Because of our position in the marketplace, we are able to provide seniors with cash they can use for anything and everything they want. LifeSaver Settlements has many satisfied clients, and no complaints have been filed in any jurisdiction.
We believe your life insurance is an investment in well being and peace of mind. That’s why LifeSaver Settlements helps you get the most from your lifelong investment. We’ll work as hard as we can to make sure you get the most money from your life insurance policy. So let’s help you get the money you deserve!
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Sorry, but we will not review or accept policies that are still within their contestability period or stranger originated life insurance policies.
A LifeSaver Settlement is a life settlement which gives you money you can use now in exchange for your current life insurance policy. Finally, you can stop making premium payments and spend the cash on anything from vacations to grandchildren to maintaining your standard of living. LifeSaver Settlements make it happen.
Simple! First, LifeSaver Settlements will review your life insurance policy. Based on our assessment, we'll work to find someone who will purchase your policy and take over the premiums and all policy maintenance. You get a large lump sum and you never have to worry about defaulting on your life insurance again!
If you're age 62 or older, or have a chronic medical condition, you may qualify for an immediate cash payout in exchange for your life insurance policy. We'll work with universal, whole and term life policies, as well as key man, survivorship, corporate owned and group policies.
As a rule, we don't review or accept any policies that are still within their contestability period or stranger originated life insurance policies.
Absolutely not! Until you sign an agreement with a specific buyer to take over the policy in order to receive the cash you want, you have no obligation to do anything!
We have trained professionals who will examine your medical history in accordance with all confidentiality and HIPPA laws, after receiving your consent and assess them as to the value of your life insurance policy. Typically, no additional medical exams are necessary!
This is money that has accrued over time in an interest bearing account associated with your policy. Accessing this can lower the value of your insurance or even increase your likelihood of lapsing. The “Cash Surrender Value” is the amount your insurance company will pay you if you were to let your policy lapse.
Usually, a LifeSaver Settlement, if you are eligible, is a better option and will typically allow you to receive much more money than if you were to take what your insurance company offers.
On average, a Life Settlement will garner a higher pay-out (sometimes significantly) than the cash surrender value of a given life insurance policy. This will vary on a per policy basis. Your lump sum payment will depend on various factors, including:
In addition, market demand forces play a role in determining how much you can get for your life insurance policy.
We are not charging you any fees for undergoing the life settlement process. If and only if we are able to get you a settlement, will we charge a fee.
The only third party fees that may be associated with a LifeSaver Settlement application are the administrative fees that your physicians might charge to send out a copy of your medical records. Many medical facilities will provide this service free of charge, but some do charge a nominal fee.
LifeSaver Settlements and its agents are not certified tax professionals, and as such we do not give tax advice or help. Please speak with your tax professional to address any issues on life settlement taxation.
The only responsibilities that a seller has after the sale of their life insurance policy, is to answer a periodic health and information form that will be sent to them up to two times per year, and to make sure that their physicians continue to send updated medical records to Life Saver Settlements or their designees upon request.
No. Also, although the amount of insurance under the policy you sell will still be taken into account when looking to purchase a new policy, if you qualify for a new policy, you can use the proceeds from a LifeSaver Settlement to pay future premiums at a potentially much lower rate. Ask a LifeSaver Settlement agent how we may be able to get you a Paid Up Life Insurance policy, with NO future payments required.
If approved, we can usually get you a payout between 30 and 45 days from the time of approval. In certain circumstances, we can even work with you to advance you the money until the transaction is completed!
It's time to make your investment in your life insurance policy pay off!