Many seniors are discovering the benefits of Life Settlements—turning unwanted or costly life insurance policies into cash. A Life Settlement provides immediate funds–typically 5X more than the surrender value–helping to ease financial burdens and cover expenses as needs change.
A Life Settlement allows you to sell your life insurance policy to a third-party buyer for a lump sum, while they take over future premium payments.
Since your life insurance is personal property, you can sell it just like any other asset. In a life or viatical settlement, your payout is higher than the policy’s cash surrender value. Q Life works with Life Settlement providers to guide you through the process, helping you determine if your policy qualifies and securing the best possible offer.
The amount you receive depends on factors like your policy type and size, how long ago it was issued, and your health status. Our policy specialists will assess these details to help you navigate the process and maximize your payout.
In 1911, the U.S. Supreme Court unanimously agreed in the case of Grigsby v. Russell that life insurance policies are tangible assets. This decision established the secondary market, where policyholders can sell their policies to third-party buyers for a lump sum.
Selling your life insurance policy is a big decision, but you don’t have to navigate it alone. Our experienced team is here to simplify the process, answer your questions, and ensure you get the best value.
Every case is unique, and timelines may vary— speak to a Policy Specialist.
The first step in selling your policy is checking if you qualify. Here are three key eligibility factors, though other conditions may apply;
1 You are over 70 years old or older.
Additional factors may allow younger policy owners to be considered for eligibility
2 Your Policy Value is $100,000 or more
3 Your policy type qualifies
Term, Whole, Universal, Variable, others.
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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