Selling a life insurance policy does require some documentation, but the process is much easier than most people expect. You will need a copy of your policy or the most recent statement showing the coverage amount, premium schedule, and policy number. If you do not have these documents, the marketplace can request them directly from your insurance company with your permission.
Buyers also review recent medical records to understand your general health and life expectancy. This does not require new medical exams. Records are usually obtained from your doctors using a simple authorization form. Additional documents may include proof of identity, ownership verification, beneficiary information, and details about any outstanding policy loans. These documents help buyers understand the full structure of the policy, what it costs to keep it active, and how to evaluate its long-term value. The marketplace will guide you step-by-step and help gather anything you are missing.
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