Your Life Insurance Policy May Be Worth 3-6X More Than You Think.

We help Florida seniors convert unwanted life insurance policies into immediate cash through life settlements. We provide free policy evaluations, negotiate with multiple settlement companies on your behalf, and guide you through the entire process—typically 30-45 days from first call to payment. There's no cost for our service; we're paid by the settlement company only if you choose to accept an offer.

Simply call us at (954) 913 - 2153 or fill out the contact form above. We'll ask a few basic questions about your policy (insurance carrier, face value, approximate premiums) and your health status. Within 48 hours, we'll let you know if your policy is likely to qualify for a life settlement and what value range you might expect. Everything is confidential, and there's absolutely no obligation.

We're a local Florida company with over 20 years of insurance expertise—not a national call center. You'll work directly with licensed professionals who understand both the life settlement process and the unique needs of Florida seniors. We handle all the paperwork, coordinate with settlement companies, and ensure you get competitive offers.

This is one of the most common reasons people contact us. If you're struggling to pay premiums on a fixed income, you have three options: (1) surrender the policy back to the insurance company for cash value (typically 10-30% of the face value), (2) let it lapse and receive nothing, or (3) sell it through a life settlement for 3-6 times the surrender value.

Many of our clients bought policies 20-40 years ago when their income was higher. Now, with rising costs and fixed retirement income, those premiums have become unaffordable. A life settlement lets you stop paying premiums immediately and receive a lump sum payment—often $50,000 to $300,000 or more, depending on your policy size. That money is yours to use however you need: medical expenses, daily living costs, home repairs, or simply financial peace of mind.

Life changes. The children you bought the policy to protect are now independent adults. Perhaps your spouse has passed away, or you're divorced and no longer need to provide for an ex-spouse. Maybe the mortgage you were protecting is paid off, or the business succession plan is no longer relevant.

If the original purpose of your policy no longer exists, you don't have to keep paying for coverage you don't need. A life settlement allows you to access that value now—while you're alive to benefit from it. Many of our clients use the proceeds to help their children or grandchildren today: down payments on homes, college tuition, medical care, or simply enjoying retirement travel together. Legacy doesn't have to wait until you're gone.

Absolutely—and this may be exactly the right time. With the estate tax exemption dropping to approximately $7 million per person (as of January 1, 2026), many Florida seniors suddenly face potential estate tax liability they didn't anticipate.

If your estate is now exposed, a life settlement can provide immediate liquidity to help cover those taxes, adjust your estate plan, or reposition assets. The cash you receive from selling your policy can be used strategically: funding trusts, making gifts to reduce your taxable estate, or simply having liquid funds available for estate settlement costs. We work with several estate planning attorneys and CPAs who can coordinate with us to ensure the settlement fits into your overall tax strategy.

A life settlement is the sale of your existing life insurance policy to a third party for more than the cash surrender value but less than the death benefit. Think of it like selling your house—you don't need to live there anymore, so you sell it for fair market value. Similarly, if you no longer need your life insurance policy, you can sell it instead of surrendering it to the insurance company or letting it lapse.

Example: If you have a $500,000 policy with a $75,000 cash surrender value, a life settlement might pay you $200,000-$300,000 (or more, depending on your age and health). That's 3-6 times what the insurance company would give you.

There are no upfront fees or out-of-pocket costs to you. Our compensation comes from the settlement transaction itself—we negotiate the best possible offer from settlement companies, and our fee is built into that process. You'll see the net offer amount (what goes into your bank account), and you decide whether it makes sense for your situation. If you don't accept an offer, you owe us nothing.