Sell Your Life Insurance Policy for Cash
Don't surrender your policy to the insurance company for pennies. Licensed life settlement providers typically pay 4-8x more than the cash surrender value.
Free Policy Appraisal
Find out what your policy is really worth.
Completely Free • No Obligation
Reasons Policyholders Sell Their Life Insurance
Premiums Too High
Stop paying premiums you can no longer afford and get cash for your policy instead
Coverage Not Needed
If your beneficiaries are financially independent, sell your policy for a lump sum
Retirement Income
Convert an unneeded policy into cash to fund your retirement years
Medical Expenses
Use the proceeds from your policy sale to cover healthcare and medical costs
Estate Planning
Restructure your estate plan and put the policy value to better use
Better Investment
Redirect the cash value into investments that better serve your current needs
Completely Free • No Obligation
How It Works
Tell Us About Your Policy
Share your policy type, face value, and basic health information. It takes less than 2 minutes.
Get Your Free Appraisal
Licensed life settlement providers review your policy and compete to provide the best offer for your coverage.
Receive Your Cash
Accept the best offer and receive a lump-sum payment - typically 4-8x more than the insurance company's surrender value.
Why Choose Go Life Settlement
More Than Surrender Value
Life settlement buyers typically pay 4-8x more than the insurance company's cash surrender value.
Licensed Providers
Our network consists of licensed life settlement providers regulated by your state's insurance department.
Free Policy Appraisal
Get a free, no-obligation appraisal of your policy's life settlement value. No cost to you.
Confidential & Secure
Your health and policy information is protected and shared only with licensed buyers.
Serving Nationwide
We connect policyholders with licensed providers across all regulated states.
No Pressure
Compare offers at your own pace. No obligation to accept any offer.
Serving Policyholders Nationwide
Go Life Settlement connects life insurance policyholders with licensed life settlement providers across all regulated states. Whether you have whole life, universal life, or convertible term coverage, our network can help you find out what your policy is really worth.
Sell Your Life Insurance Policy in Any State
Sell Life Insurance Policy by State
Life Settlement Providers by State
Viatical Settlement by State
What Our Clients Say
“I was about to surrender my policy for $12,000. They connected me with a buyer who paid $67,000. I could not believe the difference.”
“At 72, I didn't need the coverage anymore. The life settlement gave me cash to enjoy retirement. Far more than the insurance company offered.”
“My husband's policy was about to lapse. Instead of losing it, we sold it for a significant lump sum. The process was completely transparent.”
Frequently Asked Questions About Life Settlements
What is a life settlement?
A life settlement is the sale of an existing life insurance policy to a licensed third-party buyer for more than the cash surrender value but less than the death benefit. It is a legal, regulated transaction available in most states.
How much more can I get than the surrender value?
Life settlement buyers typically pay 4-8 times more than the insurance company's cash surrender value. The exact amount depends on your policy type, face value, age, and health status.
Who qualifies for a life settlement?
Generally, policyholders who are age 65 or older with a policy face value of $100,000 or more are strong candidates. Younger policyholders with serious health conditions may qualify for a viatical settlement.
What types of policies qualify?
Whole life, universal life, convertible term, and variable life policies are most commonly eligible. Group life policies may also qualify depending on the terms. Go Life Settlement can help you determine your eligibility.
Is a life settlement the same as surrendering my policy?
No. Surrendering means returning the policy to the insurance company for their stated cash value - often pennies on the dollar. A life settlement sells the policy on the open market to licensed buyers who typically pay significantly more.
How long does the process take?
The life settlement process typically takes 2-4 months from application to closing. This includes policy review, medical underwriting, bidding, and paperwork. Go Life Settlement manages the process to keep things moving efficiently.
Is there any cost to get a policy appraisal?
No. Our service is completely free for policyholders. Go Life Settlement connects you with licensed providers at no cost and no obligation.
Find Out What Your Policy Is Worth
Free, no-obligation policy appraisal. Get more than the insurance company surrender value.
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