A life settlement is a financial transaction in which a policy owner sells an unneeded life insurance policy for more than its surrender value.
No — our policy value check is completely free and carries no obligation.
We’ll simply review your policy details and tell you what offers you might qualify for.
Most life settlements close within 4 to 6 weeks, depending on how quickly your insurance company provides policy details and medical records.
Our advisors handle all paperwork and updates along the way.
It’s easy: Call 954-317-9716
A licensed EverLife Financial advisor will review your information and help you understand every option before you make any decisions.
If you sell the full policy, the new owner becomes the beneficiary.
However, some seniors choose a retained death benefit option, which lets you keep a portion of the coverage with no future premiums.
Yes. Life settlements are regulated by state law and overseen by insurance departments.
EverLife Financial works only with licensed life settlement providers and trusted industry partners like Coventry First — the top-ranked life settlement company in the U.S.
Every policy is different, but many seniors receive four to ten times more than the surrender value from their insurance company.
We’ll provide a personalized estimate with no fees or obligations so you can see your options clearly.
If you stop paying premiums and let your policy lapse, it usually expires with no payout.
That means all the money you invested over the years is gone.
A life settlement gives you a way to recover that value before it disappears.
Life changes. Premiums become harder to afford, or the original reason for the policy (like protecting family or covering a mortgage) may no longer apply.
By selling your policy, you can unlock the cash value you’ve built and use it for what matters most — medical bills, retirement income, or simply enjoying life.
Most people who are 65 or older with a life insurance policy of $100,000 or more may qualify.
Eligibility depends on factors like your age, health, policy type, and coverage amount.
We offer a free, no-obligation policy value check to help you find out quickly.
Policyowners who choose to sell their life insurance policy receive on average more than four times what they would receive from surrendering their policy back to the life insurance company (London Business School Study, June 2013). Every case is different, however, and the size of the payment is determined by variables such as your health, the type of insurance policy you have and the policy’s premiums.