How It Works
At Lifestone Settlements, we simplify the process from start to finish. You'll always know what's happening and what to expect next — with guidance from real people, not automated systems.
What Is a Life Settlement?
A life settlement allows you to sell your life insurance policy for cash.
Instead of letting it lapse or surrendering it for a small amount, you can receive a much higher payout.
Many seniors find that their life insurance needs change over time. We offer a simple policy review to identify opportunities to improve coverage or unlock hidden value.
At Lifestone, we work with licensed providers and funding sources to ensure every offer is compliant, fair, and secure. You'll never pay out of pocket, and you're always in control of the decision.
💡 Did you know? Over $200 billion in life insurance is surrendered or lapsed every year — but only 4% of seniors ever sell their policy.
The Lifestone Process — Simple, Transparent, and Guided Every Step
Initial Consultation
Tell us about your policy and your goals. We'll ask a few basic questions — age, policy type, and health — to see if you qualify.
Policy Review & Authorization
We gather key information directly from your insurance carrier to better understand your policy details.
Valuation & Underwriting
Our analysts review your policy and medical summary (never a full exam) to estimate its value.
Market Offers
We share your policy details with qualified buyers who evaluate and submit formal cash offers. You’ll be able to review each option side by side with our team’s guidance to help you choose the best one.
Closing & Funding
If you choose to sell, closing documents are finalized and funds are wired directly to you.
Frequently Asked Questions
Everything you might be wondering — answered simply.