Life Settlement

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Life settlement is an important tool for high net worth policy owners who no longer need or desire a particular life insurance policy.


A life settlement is a financial transaction in which the owner of a life insurance policy sells a policy to a third party for more than its cash value and less than it would collect from the insurance company. In some cases, the policy may be worth considerably more than its surrender value (what the insurance company would provide). A life settlement is an alternative to this surrender or lapse of a policy, or when the owner of a life insurance policy no longer wants the policy, when the policy is underperforming or the insured can no longer afford to pay the premiums.