Sell Your Life Insurance Policy For Cash

Most seniors over 65 qualify — especially if your health has changed or your policy is no longer serving your needs.

Free Evaluation - See if you qualify
Receive Immediate Cash
Stop Paying Premiums
Work with Personalized Experts
No Hidden Fees
Fast, Confidential Process
Licensed Specialists
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Understanding Life Settlements

A clear walkthrough of how the process works and how we help.

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Why Seniors Trust Lifestone

We make the process simple, transparent, and built around your needs.

Clear, Step-by-Step Guidance

We handle every step and keep you informed from start to finish.

Fast Timelines, Real Results

We move quickly — most cases receive offers within just a few weeks.

No Pressure, No Obligation

You're in control every step of the way. We're here to help, not to sell.

Experienced Specialists

Our licensed team has guided hundreds of policyholders through this process.

Day 1: Introduction • Week 1: Review • Week 2+: Offers

Lifestone made everything so easy. I had no idea my policy was worth that much!

— Robert, 74, Florida

Don't Let Your Policy Lapse for Nothing

Letting your policy lapse or surrendering it could mean losing valuable benefits. Before you make that decision, find out if your policy has hidden value that could benefit you or your loved ones.

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Common reasons to act now:

  • Premiums rising soon
  • Term conversion window closing
  • No longer need the coverage
Find Out What Your Policy Could Be Worth

Ready to Discover What Your Policy Could Be Worth?

A licensed Lifestone specialist can review your options in just a few minutes — no cost, no obligation.

Your information is private and will never be shared.

Real Settlement Examples

See how we've helped policyholders unlock value from their life insurance policies

Case 1
Insured Male, Age 71
Health Poor
Policy Type Term
Policy Size $300,000
Settlement Amount
$35,000 CASH
The policy was nearing the end of the level-term period, and premiums were set to spike dramatically. Since he no longer needed the coverage, he sold the policy for a $35,000 cash payout instead of letting it lapse.
Case 2
Insured Male, Age 64
Health Fair
Policy Type Term
Policy Size $600,000
Settlement Amount
$70,000 CASH
After a health scare, the policyowner wanted liquidity to improve his quality of life. Selling the policy allowed him to eliminate debt and free up additional retirement income.
Case 3
Insured Female, Age 63
Health Terminal
Policy Type Term
Policy Size $250,000
Settlement Amount
$95,000 CASH
Facing rapidly declining health, the policyowner needed immediate funds for medical care. The settlement provided crucial financial support during a challenging time.
Case 4
Insured Female, Age 74
Health Good
Policy Type Universal Life
Policy Size $500,000
Settlement Amount
$55,000 CASH
Although in good health, she no longer needed the policy and the premiums no longer made financial sense. Selling it gave her $55,000 in cash, which she used to boost her retirement savings and take her family on a long-awaited vacation.
Case 5
Insured Male, Age 85
Health Poor
Policy Type Whole Life
Policy Size $3,000,000
Settlement Amount
$1,050,000 CASH
Maintaining the large policy had become financially difficult. Selling it provided over $1 million in cash, which he used to secure long-term healthcare and provide gifts to his grandchildren.
Case 6
Insured Male, Age 72
Health Good
Policy Type Term
Policy Size $150,000
Settlement Amount
$9,500 CASH
The policyowner planned to let the policy lapse because he no longer needed it and didn’t want to continue paying premiums. Even with a modest offer, he accepted the $9,500 settlement since it was money he wouldn’t have received otherwise.

Who Typically Qualifies

Most seniors over 65 qualify, especially if your health has changed or your premiums have become harder to maintain.

Age

Typically 65 or older. Seniors between 70–85 often qualify for the highest payouts.

Health

Even a change in health since your policy was issued may make you eligible for a life settlement.

Policy Type

Universal Life, Whole Life, and Convertible Term policies all qualify. Not sure? We'll check for you.

Policy Size

Policies with a face value of $100,000 or more generally qualify. Larger policies often receive stronger offers.

Check My Eligibility

Frequently Asked Questions

A life settlement lets you sell your life insurance policy for cash to an approved buyer instead of letting it lapse or surrendering it for less.
Most people 65 or older with whole, universal, or convertible term policies qualify.
If you sell, the buyer becomes the new owner and receives the payout.
Most cases receive offers within 2–3 weeks.
No, the review is free and you're never required to sell.
Yes, all data is encrypted and kept confidential.
Not necessarily; many qualify based on age or policy type.
You may be able to sell part of your policy and keep a smaller benefit.
Funds are wired directly to your account after closing.
A licensed Lifestone specialist contacts you to review options — no pressure.

Latest Insights & News

Explore the latest articles, tips, and updates from Lifestone Settlements.

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