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Most life settlements involve policyholders age 65 or older with at least $100,000 in coverage. Results are estimates only and not guaranteed. Availability varies by state.
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Life insurance policies lapse every year without exploring a life settlement.
The average life settlement pays nearly 9× more than cash surrender value.
Of seniors said they would have considered a life settlement if they had known it was an option.
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Life settlement resources
Plain-English guides to help you understand, compare, and get the most from a life settlement.
Can You Sell a Term Life Insurance Policy? The Complete 2026 Guide
Yes — many term life policies can be sold, even without cash value. Learn the exact criteria buyers use, how term policies are valued, and how to get the strongest offer.
Viatical Settlements Explained: Everything You Need to Know
A complete 2026 guide to viatical settlements — what they are, how they work, who qualifies, tax considerations, and how they differ from life settlements.
What Is a Life Settlement Provider? How to Choose the Right One
Learn what a life settlement provider is, how providers differ from brokers and buyers, what to look for before choosing one, and how technology is reshaping the industry.