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Whole life
“Premiums climbed every year and I could not keep up. Settle found me an offer nearly six times what the carrier would have paid me to give the policy back.”
Face value
$1,000,000
Sold for
$287,000
Adeline V.
Woman, 78
Turn a policy you no longer need into cash.
See what your life insurance may be worth in about a minute. Free, and you never have to sell.
What is it?
A life settlement is the sale of a life insurance policy you no longer need 
to a licensed buyer, for cash now. The buyer takes over the premiums and receives the benefit later.
Every estimate labeled.
Every offer from a licensed buyer.
Who qualifies?
You may be able to sell if…
You're 65 or older
Most people who sell are.
Your coverage is $100,000 or more
The death benefit, not the cash value.
You own universal, whole or convertible term
Many term policies can be converted first.
Your health has changed
Unlike buying insurance, this can raise the value.
Case examples
Life changes. Policies can too.
Examples are illustrative. Names, ages and amounts have been changed, and individual results vary.
How does it work?
The easiest way to sell your life insurance policy.
- 01
Complete your application online
Answer six questions about your policy and your health to start your application. No documents, no phone call, no commitment.
About a minuteFree9:41settleBook a callWhat type of life insurance policy do you own?
Not sure which kind you have? That’s okay. Choose the option that best matches your policy documents, or select “I Don’t Know.” We’ll take it from there.
Term LifeWhole LifeUniversal LifeVariable LifeI Don’t Know - 02
See your estimate
An estimated range for your policy, right away. It’s not an offer, and you never have to sell.
9:41settleBook a callEstimated life settlement valueYour policy may be worth
$120,000Estimated range: $102,000 — $138,000Start ApplicationExample appraisal. No obligation to accept any offer.No obligationto accept any offerYour policystays in your controlMultiple buyersin our network - 03
Sign two forms online
A medical release and a policy release, signed right in your dashboard. We request the records for you.
9:41settleBook a callWelcome back, Margaret
Finish these steps so licensed buyers can review your policy.
Application complete CompleteAll sections submitted and ready for review.Review2HIPAA medical release form RequiredAuthorizes collection of medical records to evaluate life expectancy.Sign3Policy release / verification form RequiredLets us request cash value, premiums and policy status from your carrier.Sign - 04
We check if you qualify
Licensed buyers review your policy and records through our provider partners. If it’s not a fit, we tell you — no wasted time.
9:41settleBook a callYour case
Each step unlocks when the last one is done.
Application CompleteYour policy, personal and health detailsRecords In progressMedical records and policy detailsOffers LockedUnlocks once licensed buyers finish their reviewClosing LockedDocuments, escrow and payment to your bank - 05
If you qualify, the offers come in
See each offer next to your cash surrender value. Accept the best one, ask questions or walk away — it’s always your call.
9:41settleBook a callYour offers
Compare each offer with what your insurer would pay.
ExampleBuyer A$104,000Buyer B Highest$118,500Buyer C$111,000Cash surrender value$38,000AcceptAsk a question
Phone screens are examples. The appraisal is free and you never have to sell. Whether a policy qualifies — and the size of any offer — depends on your age, health, policy type and coverage. Offers are not guaranteed. Availability varies by state.