Free, no-obligation estimate. An estimate is not an offer to buy your policy.
Free, no-obligation estimate. An estimate is not an offer to buy your policy.
If you no longer need your life insurance, or the premiums are getting hard to pay, you have more choices than keeping it or giving it up. We'll walk you and your family through every option, including keeping the policy.
Keep paying, and your beneficiaries keep the full death benefit.
Lower the death benefit to bring the premiums down.
Take a policy loan, or use an accelerated death benefit if your policy has one.
Turn a term policy into permanent coverage, if it has a conversion option.
Cancel the policy and take its cash surrender value from the insurer.
Selling your life insurance policy can pay more than surrendering it. See what your policy could be worth.
Free, no-obligation estimate. An estimate is not an offer to buy your policy.
Most people come to us for one of three reasons.
A sale turns the policy into cash, and once it closes the buyer pays the premiums from then on.
See what your policy could be worth →Before it expires, check whether it can be converted and sold. Many people don’t know term policies can qualify.
See what your policy could be worth →Get a free estimate, and if your policy may qualify, we’ll refer it to licensed providers and brokers so you can see real offers before you decide.
See what your policy could be worth →An estimate is not an offer to buy your policy.
Use our free calculator. If your policy may qualify, a specialist will reach out.
With your permission, a licensed provider or broker gathers your policy documents.
The licensed provider or broker presents any offer. You decide, with no obligation to sell.
Q Life Settlements is a marketing company, not a licensed life settlement broker or provider.
A life insurance policy of $100,000 or more.
Typically age 70 or older.
Additional factors may allow younger policy owners to be considered for eligibility.
Qualifying policy type.
Term, Whole, Universal, etc.
For over 20 years, Q Life has helped policy owners turn life insurance into financial opportunities. Our mission is to empower policy owners like you to make informed decisions and maximize your financial outcomes.
Talk to a policy specialist today to explore your options — no obligation, just expert advice and caring support every step of the way.
See if you or your loved one’s policy can qualify to sell.
Facing increased medical costs, paying for Long Term Care, managing debt, or prioritizing other financial goals.
Business Needs Change
Recovering assets from business policies or management/insurance no longer needed.
Policy No Longer Needed
The original purpose of the policy is no longer relevant, dependents are financially independent, or less coverage is needed.
Growing Retirement Savings Needs
Recognizing underestimated retirement expenses, having additional financial needs not covered by existing plans, or wanting a financial cushion for unexpected costs.
Premium Affordability Challenges
As you age and income potentially decreases, policy payments become difficult to manage; selling can provide immediate cash flow.
Approaching Term Policy Expiration
Seeking to avoid a lapse in coverage and maximize the policy’s value before the term ends.
Yes. Life settlements are legal, and most states regulate them and license the providers and brokers who handle them. Q Life Settlements is a marketing company, not a licensed broker or provider; we refer qualified policies to licensed companies.
Licensed life settlement providers and brokers evaluating your policy, as described in our Legal Disclosure. They ask for your written consent before getting medical records.
Money from a sale may be taxable, may be subject to creditors’ claims and may affect eligibility for Medicaid or other government benefits. Talk to a tax advisor first.
If it can be converted to permanent coverage, it may qualify.
It depends mostly on how quickly medical records and insurer paperwork arrive. The licensed provider or broker handling your policy gives you a timeline.
9x
More than surrender value
Average life settlement payout vs. cash surrender
$212K
Average settlement payout
vs. $24,360 average surrender value
8/10
Policies never pay a claim
You may have a better option
Source: Life Insurance Settlement Association (LISA), 2025 Annual Market Data
