Top Rated
Life Settlement Companies
Compare top life settlement providers ranked by service quality, speed, expertise, and client experience—so you can choose with confidence.
INDUSTRY LEADER: TRACK RECORD FOR EXCEPTIONAL OFFERS & SERVICE
LifeRoc Direct
LifeRoc Direct is a trusted leader in life settlements, known for delivering fast, clear, and concierge-style service to seniors nationwide. With a large, leading network of funders competing for each policy, LifeRoc consistently delivers strong offers and a smooth, communicative experience from start to finish.
* An affiliate of LifeRoc
Trusted by Seniors
Exceptional Service
Satisfaction Promise
Fast Closing & Payout
TRUSTED BY SENIORS NATIOWIDE FOR FAST, SIMPLE PROCESS
SellMyPolicy.com
SellMyPolicy.com makes selling your life insurance policy fast, simple, and rewarding. Helping countless seniors and their families, SellMyPolicy.com delivers great offers quickly and handles every step of the process with clear communication, integrity and ease.
* An affiliate of LifeRoc
Fast & Simple Process
Great Service & Offers
Fast Closing & Payout
Free Policy Appraisal
INSURANCE EXPERTS: FREE, FAST POLICY APPRAISALS
Policy Report Card
Policy Report Card is the easiest way to find out if your life insurance policy qualifies for a life settlement and what it could be worth. Designed for both policyholders and professionals, it’s your trusted tool for evaluating life insurance as the valuable asset it is so you can make informed decisions about selling your policy.
* An affiliate of LifeRoc
Fast, Free Policy Appraisal
Insurance Expertise
Concierge Service
Fast Closing & Payout
EASY PROCESS WITH FAST APPRAISALS, OFFERS & PAYOUTS
Policy Fast Cash
Policy Fast Cash lives up to its name—delivering quick qualifications, speedy valuations, and fast payouts for seniors looking to turn their policy into cash fast. With a streamlined process and great service, it’s the ideal choice for those who want speed without sacrificing top-notch service and results.
* An affiliate of LifeRoc
Fast Offers & Payout
Life Settlement Experts
Trusted Nationwide
Fast Closing & Payout
INDUSTRY LEADER TRUSTED BY TOP ADVISORS: $20 + BILLION SETTLED
LifeRoc Capital
LifeRoc Capital is the trusted provider for top advisors and financial professionals nationwide. With deep roots in both insurance and life settlements, LifeRoc Capital’s team brings over 200 years of combined experience and $20 billion in face amount settled—delivering expert guidance, powerful results, and unmatched industry integrity and credibility.
* An affiliate of LifeRoc
Trusted by Top Advisors
Large Network of Funders
Free Policy Appraisal
Fast Closing & Payout
WHAT TO LOOK FOR:
Choosing The Right Life Settlement Company
Access to Funders
Choose a company that works directly with a large vetted network of funders—not just one or two buyers. More funders mean more competition, which can lead to stronger offers for your policy.
Commissions & Fees
Ask about hidden fees or third-party broker commissions. The right provider should offer transparent pricing and eliminate hefty broker commissions.
Great Offers & Trusted Results
Look for a company that creates real competition for your policy by bringing multiple funders to the table. Avoid companies that buy your policy directly, as this may present a conflict of interest and limit your payout.
Fast Process & Closing
A trustworthy company should offer a simple, fully managed process that’s easy to navigate—Offering quick appraisals, fast closings, and prompt payouts, so you can move forward without delay.
Service & Support
Look for a company that offers exceptional service—one that listens, answers your questions, and treats you with respect. You deserve a team that acts in your best interest, every step of the way.
Transparency, Privacy & Security
Your personal and financial information should be handled with the utmost care. Work with a company that prioritizes privacy, confidentiality, and full transparency throughout the process.
LIFE SETTLEMENTS ARE IN DEMAND & GROWING
OF POLICIES NEVER PAY A DEATH BENEFIT
MORE CASH PAYOUT ON AVERAGE FROM LIFE SETTLEMENT THAN SURRENDERING
Million in life settlements were paid to policyholders in 2024
GETTING STARTED
Find out if your policy qualifies for a life settlement & how much it may be worth.
Many policyholders don’t realize that their life insurance policy is a valuable asset that can be sold for cash. Most reputable life settlement companies offer a free policy appraisal, allowing you to find out if your policy qualifies and how much it could be worth. There is no obligation to sell—just the information you need to make an informed decision.
Frequently Asked Questions
What is a life settlement?
A life settlement is the sale of an existing life insurance policy to a third party for a lump sum payment. The buyer takes over premium payments and receives the death benefit when the insured passes away.
Who qualifies for a life settlement?
Typically, policyholders aged 65 or older with a life insurance policy valued at $100,000 or more may qualify. Those with declining health or who no longer need or want their policy are often strong candidates.
How much money can I get for my policy?
The payout varies depending on your age, health condition, policy type, and face amount. Life settlements generally pay significantly more than the cash surrender value, but less than the full death benefit.
What types of policies are eligible?
Most universal life, whole life, variable life, guaranteed life, and convertible term policies may qualify. Always check with the provider as there are many programs that may qualify.
Is the life settlement process confidential and secure?
Yes. A reputable provider will ensure that your personal and financial information is handled with strict confidentiality, and that the process is transparent and secure from start to finish.