Bigger Payouts. Competitive Bids. We help people sell their policies for cash.

More ways to sell and get paid. We love what we do and have been helping individuals and advisors sell their existing life insurance policies for cash since 2000.

Competitive bidding process is the key to more money
We make multiple funders compete for your policy, including the ones on TV. 5-20 buyers in our nationwide network review each policy.
More choices, more control, more ways to get paid
Cash out completely, or keep some for beneficiaries? We will get offers for as many of the 6 policy sale programs as possible.
Tax-Free sale options available
See if you qualify!
No pressure, exclusivity contracts or appraisal fees.
We will never put you through a high pressure offer to sell your policy fast for the bottom dollar. Unlike going direct to a buyer whose business model is based on low-priced policies, our business is structured on getting you the largest offer possible.
Expert, confidential guidance. 20 Years in Business.
Since 2000, American Life Settlements has been dedicated to helping both individuals and financial advisors sell existing life insurance policies. Our customer care is unmatched. You will only speak with experts who are dedicated to guiding you every step of the way.
Easier to qualify
We have helped clients from 32 to 96 with lifespans of 6 months to 23 years.

Call us at (888) 247-3659.

Find out the true market value of your policy.

Who We Are

Expertise. Respect. Results.

Our History & Clients

Our firm has a mission to deliver the best outcomes and unmatched customer service to the individuals and advisors we have the privilege to serve.

1987: The Beginning
The founder of American Life Settlements began life insurance career and started an insurance agency.
1998: Sells first life insurance policy for cash
First insurance policy sale: A life settlement, $100,000 Convertible Term for a male age 72 client.
2000: Founded American Life Settlements
Our founder successfully closed a $1 million Convertible Term of a long-time friend whose health and business failed at age 70. His house was saved, he recovered and lived 13 more years. After that experience he decided to leave the insurance sales business and become of of America’s newest Life Settlements firms. Launched first website the same year.
2010: Firm successfully closes first Survivorship policy
Brokered $24 million of Convertible Term and Survivorship policies for a couple (75 and 73). They kept $40 million of Survivorships.

2013: Transacted first Long-Term Care Life Settlement
Sold a combined $900,000 of coverage for Long-Term Care Life Settlements which are Medicaid qualified spend-downs.
2018: Celebrating 20 Years!
Our firm is celebrating 20 years in the Life Settlements business in 2018.

20

Years of Experience

6

Policy Sale Programs

5-20

buyers review each policy

0

Appraisal fees, obligations to accept bids or exclusivity contracts.

HOW IT WORKS

Selling an Insurance Policy

Step 1: Qualify
Age, health, policy type, size and status are key factors for qualification. In a confidential conversation, we analyze the situation and discuss how many of the 6 Programs might work and walk you through the best option for the largest payout that fits your unique needs.
Step 2: Apply
Our optimized application process quickly gets the policy ready for the bidding war.

Step 3: Get Bids:5-20 Buyers review each policy
Once the application is complete, the policy is shared with a number of Funders appropriate to the case. We typically share a case with 5-20 different funders within our nationwide network. Bidding and re-bidding among the Funders yield the largest cash payouts for our clients.
Step 4: Get Paid
When the Policy Owner agrees to the best offer, the winning Funder sends a contract for review, execution, and return by a specified date.

Frequently Asked Questions

What kinds of life insurance policies can be sold for cash?

Term, Whole Life, Universal Life, Survivorship Universal Life, FEGLI, VGLI

What are my options for getting paid?

Some programs offer all cash up front. Others allow you to get some cash now while keeping some of the benefit for later. We have a long-term-care tax free trustee account option, and a loan program. Multiple options are tax exempt.

What are your 6 programs for selling a policy?

Many companies only offer life settlements, but there is more than one way to sell a policy. The 6 Programs are: Life Settlements, Viatical Settlements, Retained Death Benefit Life Settlements, Private Policy Loan, Long Term Care Life Settlements and Accelerated Death Benefit.

Frequently Asked Questions

Who buys your clients life insurance policies?

Our firm works with a large variety of funders throughout the United States, including the ones on TV. We know from experience that getting multiple offers by submitting each policy to multiple buyers brings more cash to the table.

What’s the difference in working with a life settlements broker vs going direct to a funder?

Going “direct” is the act of selling your policy directly to a single funder, who buys the policy. This removes any chance of competitive bids and generally results in a low cash offer with high pressure to move quickly. They will often say that getting multiple offers lowers the value of the policy or can hurt the sale, as they know that if the policy is qualified, getting a competitive bidding process will increase their costs. Their business model is reliant on buying policies for the bottom dollar.

As a life settlements broker, we have a fiduciary duty to your policy in front of multiple funders, opening up the door to a competitive bidding process – which brings a higher payout. Essentially, we broker the policy to the highest bidder, instead of getting a single fast low-cash offer from a direct funder. We are dedicated to getting you the largest payout, how you want it. Ask any questions. We are happy to explain in detail how our model is different.

Confidential, Free Consultation

Find out how much your policy is worth. Fill out our form to get a quote started, or just discuss your situation.

Bigger Payouts. Competitive Bids. We help people sell their policies for cash.

Competitive bidding process is the key to more money

More choices, more control, more ways to get paid

Tax-Free sale options available

No pressure, exclusivity contracts or appraisal fees.

Expert, confidential guidance. 20 Years in Business.

Easier to qualify

Call us at (888) 247-3659.

Find out the true market value of your policy.

Step 1 of 2

Free Policy Evaluation

Expertise. Respect. Results.

Our History & Clients

Selling an Insurance Policy

Step 1: Qualify

Step 2: Apply

Step 3: Get Bids:5-20 Buyers review each policy

Step 4: Get Paid

Frequently Asked Questions

What kinds of life insurance policies can be sold for cash?

What are my options for getting paid?

What are your 6 programs for selling a policy?

Frequently Asked Questions

Who buys your clients life insurance policies?

What’s the difference in working with a life settlements broker vs going direct to a funder?

Legal

Company

Life Settlement Programs