Get Your Estimate

or Call 866.679.9410

Am I eligible to sell my policy?

90 percent of seniors who let a policy lapse would have considered selling if they had known life settlements were an option.

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, Variable, etc.

Watch: What policies are most likely to sell?

Start the process for free

Get Your Estimate
Apply Now

The quickest and easiest way to check your eligibility is to use our calculator to get your estimate or call us directly, and we can guide you through the process step by step.

If you get an offer you are not happy with, you can always decline!

Get Your Estimate

Common reasons our clients choose to sell their insurance policy

Health and Family
Needs Change

  • Health challenges have increased medical expenses creating financial hardship.
  • Family considerations, such as debt, become a concern.
  • Other financial priorities such as helping family buy a home or fund college.

Policy No Longer Needed

  • Original intent for getting a policy is no longer relevant.
  • Adult children or spouse no longer need the financial backing of the policy.
  • You no longer need as much insurance.

Premium Payments
Become Unaffordable

  • As you get older your payments grow and income goes down.
  • Selling your policy is a great way to eliminate a large expense and generate some needed cash flow.
  • Many times, seniors lapse their policies and lose most of the value. Turn an expense into cash— selling your policy allows you to cash in on average 5x more than the cash surrender value.

Business Needs Change

  • Assets need to be recovered from business-related insurance plan.
  • Company’s management changes.
  • “Key-man” insurance or other business-owned insurance are no longer needed.

Need to Grow
Retirement Savings

  • You may have underestimated the cost of retirement and may need additional funds to help fund retirement.
  • You may have additional expenses or desires that would not be covered by your retirement plan such as travel, home repair or renovation.
  • You may need to increase your savings for unexpected expenses.

Your Term Policy is
Expiring Soon

  • Prevent a gap in coverage and maximize the benefits of your life insurance before your term policy ends.

A Smarter Approach to Selling Your Life Insurance

Selling your life insurance policy can be a smart choice if you no longer need, want, or can afford it. We work directly with purchasers and shop for the best price on your behalf, eliminating broker fees and simplifying the process. This speeds up the sale and ensures you can retain more of your money.

At Q Life, we prioritize transparency and a seamless experience, helping you navigate your life settlement with confidence and peace of mind.

Speak with a Policy Specialist today at 866.679.9410

Q Life Settlements is not a licensed life settlement provider. Q Life Settlements works with licensed life settlement providers to complete transactions.

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