Premiums are rising.
When the cost of keeping a policy climbs, it is fair to ask whether it still fits your life.
Read more about rising premiumsYour life insurance policy may be worth more than you think.
If you are 65 or older, you may be able to sell a policy you no longer need for a cash payment.
Free. No obligation. Confidential.
- Licensed Life Settlement ProviderWe follow the rules that protect you
- HIPAA Compliant PrivacyYour health information stays private
- Free and No ObligationNo cost to see what your policy could be worth
What is a life settlement?
A life settlement is the sale of an existing life insurance policy for a cash payment. You receive more than the insurer would pay to cancel it, but less than the death benefit, and you stop paying premiums.
Your life insurance policy is property, like a house. When you no longer need it, you can sell it instead of returning it to the insurer for a fraction of its value.
Key terms, explained
- Policy owner
- The person who owns the life insurance policy. The owner decides whether to keep it or sell it.
- Death benefit
- The amount the policy pays out when the insured person passes away. It is also called the face value.
- Cash surrender value
- The amount the insurance company pays if you cancel the policy. A life settlement can pay more than this.
- Premium
- The regular payment needed to keep a policy active. After a sale, the new owner pays it.
What a life settlement is — about 1 minute
The difference can be significant.
In 2025, the average life settlement paid the policy owner
$212,066
Source: LISA 2025 Annual Market Data
The average cash surrender value was
$24,360
Source: LISA 2025 Annual Market Data
Dollar figures are averages, not a promise of any specific amount.
Is a life settlement right for you?
Life changes, and a policy that made sense years ago may no longer fit. Here are some common reasons people take a fresh look.
Coverage is no longer needed.
The reason you bought the policy may have changed, and that is a good moment to look at your options.
Read more about coverage you no longer needLiving on a fixed income.
Every monthly bill counts. Some people choose to sell a policy they no longer need to ease their budget.
Read more about living on a fixed incomePaying for medical or long-term care costs.
Care can be costly. Some families look at an unneeded policy as one possible way to help cover it.
Read more about paying for careEstate plans have changed.
A policy bought for an earlier plan may not belong in the plan you have today.
Read more about changed estate plansThinking about letting a policy lapse.
Before you let a policy go for nothing, it helps to know what other choices you have.
Read more about letting a policy lapseDo I qualify?
Four quick questions, one at a time. See whether you may qualify, plus a rough estimate of what your policy could be worth.
Who typically qualifies
- Age 65 or olderThe age of the insured
- $100,000 or moreThe policy’s face value, its death benefit
- Some change in healthA health change, or health conditions
A general guide, not a guarantee. Not sure where you fit? A specialist can tell you clearly, for free.
- Your answers stay private.
- Prefer to speak with someone? Call 877.222.4782
Step 1 of 4
Three clear steps. You stay in control.
Tell us about your policy.
It takes a few minutes and costs nothing.
We review it and present your offer.
A licensed specialist reviews it for free.
You decide. If you accept, you receive a lump-sum payment.
No pressure. The choice is always yours.
Would you like to speak with a specialist?
Leave your details and a licensed specialist will call you. It is free, with no obligation.
Want to speak now?Call 877.222.4782
Free. No obligation. Confidential.
Compare your options.
When you no longer need a policy, there are three things you can do with it.
Option 1
Let it lapse
You receive nothing.
Option 2
Surrender it
You receive the cash surrender value.
Worth consideringOption 3
Life settlement
You may receive more than the surrender value, and you stop paying premiums.
Illustration only, not to scale. What you may receive depends on your policy and is never promised in advance.
What could my policy be worth?
Free. No obligation. Confidential.
Why families choose Abbistar.
Selling a policy is a big decision. Our job is to make it clear, personal and pressure-free.
i.
Licensed and compliant
Abbistar is a licensed life settlement provider, and we follow the rules that protect you.
ii.
The best offer possible
We work to secure the best offer we can for your policy, and the choice to accept is always yours.
iii.
Transparent, personal guidance
A real person walks with you from start to finish and explains each step in simple, easy-to-understand terms.
iv.
Your privacy protected
Your health and financial information is handled in line with HIPAA privacy requirements.
Not ready to talk? Start by reading.
“The Policyholder’s Guide to Life Settlements” is yours free. Read it at your own pace, and share it with family.
- What a life settlement is and how it works, in simple, easy-to-understand language
- Your options compared
- Questions to ask before you decide, plus a version to share with family
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See how it worksQuestions others had.
Prefer to call?
877.222.4782
A specialist can answer your questions. It is free, with no obligation.
Yes. Life settlements are regulated, and you own your policy, so the choice to sell it is yours. Abbistar is a licensed life settlement provider, and we protect your health and financial information under HIPAA.
A life settlement can have tax consequences, and it can also affect eligibility for government benefits. Every situation is different, so please talk with your own tax or legal advisor before you decide.
No. The review is free and comes with no obligation. You are never pressured, and the decision is always yours. Two things are worth knowing up front: selling a policy can affect the insured’s ability to get new life insurance in the future, and the insured agrees to ongoing cooperation as set out in the contracts.
Once a policy is sold, the new owner receives the death benefit. That means the beneficiaries named on the policy would no longer receive it. A specialist will review this with you, and with your family if you wish.
Transaction times vary, but most transactions are completed in 30 to 60 days. We guide you through each step, including documents, medical record authorizations and closing.
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