Cash in from your life insurance policy the smart way
Before you surrender or let your life insurance policy lapse, see what it could be worth first. Living Benefits Advisory gives you a fast appraisal and lets you compare offers from licensed life settlement buyers — so you can make a more informed decision about your policy.
Estimates are illustrative only and do not constitute an offer to purchase any life insurance policy. Actual settlement amounts depend on individual policy terms, insured health, age, and buyer evaluation. Life settlements are regulated transactions and may not be available in all states. Living Benefits Advisory is not an insurance company and does not provide legal, tax, or financial advice.
How it works
Three simple steps between you and the cash hiding in your policy.
Get your free estimate
Answer a few quick questions about your policy and health. In about 60 seconds, see an illustrative range of what your policy could be worth — no cost, no commitment.
Compare real offers
We bring your policy to a marketplace of licensed life settlement buyers who compete for it. Competition means you see stronger offers — not just the first one.
Cash in on your terms
Accept the offer that works for you, complete the paperwork with guidance from our team, and receive your lump-sum payment. Or walk away at any time.
Don't let your policy lapse for nothing
Most people surrender or lapse their policy without knowing it has real market value. Compare your options before you decide.
Guidance from real advisors
You're not just filling out a form. Our advisory team walks you through your appraisal, explains every offer in plain English, and answers your questions — with zero pressure to sell.
- A dedicated advisor from estimate to closing
- Plain-English explanations of every offer
- No fees, and no obligation at any point
Money for what matters now
Policyholders use their settlement to retire more comfortably, cover medical or long-term care costs, help family, or simply stop paying premiums they no longer need.
- Lump-sum cash payment, yours to use freely
- No more premium payments after the sale
- Often several times the cash surrender value*
Do you qualify?
Every policy is different, but buyers typically look for a few things.
Age 65+ or health changes
Policyholders 65 and older — or younger with significant health changes since the policy was issued — tend to receive the strongest offers.
$100K+ death benefit
Policies with a face value of $100,000 or more attract the widest pool of licensed buyers, though smaller policies can still qualify.
Most policy types
Universal life, whole life, convertible term, and survivorship policies can all be eligible. Not sure what you have? We'll help you find out.
Frequently asked questions
What is a life settlement?
How much could my policy be worth?
Does it cost anything to get an appraisal?
Is this legal and regulated?
Will I owe taxes on the proceeds?
See what your policy is really worth
It takes about 60 seconds. No hidden fees, no obligation — just an honest look at the value you've already built.
Get an Instant Appraisal →