Explore Your Life Settlement Options with Confidence

Life changes—and so can your financial needs. If you’re asking yourself, “Can I sell my life insurance policy?” or “How do you sell life insurance?”—you’re in the right place.

At Summit Life Settlements, we help you turn your life insurance policy into immediate cash through a safe and regulated process called a life settlement. Whether you’re ready to sell or just exploring your options, our experienced team is here to help.

“A life insurance policy you no longer need could be worth more than you think—it’s not just coverage, it’s capital.”

Who Buys Life Insurance Policies? - Couple signing documents at notary public office

Can I Sell My Life Insurance Policy?

Yes, you can sell your life insurance policy—if you meet certain qualifications. Many people are searching “can I sell a life insurance policy?” are surprised to learn that policies they no longer need or can afford may still have significant market value.

If you’re asking, “Can I sell my insurance policy?” or “How do you sell life insurance?”—here’s what typically qualifies you:

  • You are 65 years or older, or have experienced a serious change in health
  • Your policy has a face value of $100,000 or more
  • You no longer need the coverage due to retirement, estate planning, or other life changes
  • Your term policy is convertible to permanent insurance (a common requirement)

At Summit Life Settlements, we specialize in helping people sell their life insurance policies securely and confidently. Our team evaluates your eligibility and connects you with licensed, reputable buyers nationwide—so you can sell your life insurance policy for the best possible return.

Selling your life insurance policy is easier than you think. The process, known as a life settlement, is regulated in most states. For more, visit NAIC’s guide on life settlements. 

 Our process is built around security, transparency, and speed.

Step-by-step guide:

  1. Submit Your Policy: Complete a short form with basic policy and health details.
  2. We Review & Evaluate: Our experts assess eligibility and policy value.
  3. Receive Offers: We present competitive offers from licensed buyers.

Accept & Get Paid: Once you accept, we handle the paperwork. You get a lump-sum payout, quickly and securely.

Sell My Insurance Policy — Get an Instant Estimate

Not sure how much your policy is worth? Use our free Sell My Life Insurance Policy Calculator for a quick, no-obligation estimate. In just minutes, you could uncover the real market value of your policy—and take the first step toward turning it into immediate cash.

Whether you’re planning for retirement, managing unexpected medical expenses, or simply reducing your financial commitments, knowing the potential value of your policy can empower smarter decisions.

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Sell Term Life Insurance Policy
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Why Use Our Life Settlement Calculator?

  • Instantly check the cash value of your policy

  • 100% private and secure—no commitments, no pressure

  • Understand your options before making any decisions

  •  Great first step if you’re wondering “Can I sell my insurance policy?”

Our calculator gives you clarity and confidence. And if your policy qualifies, our advisors will guide you through the next steps—so you can sell your insurance policy quickly, safely, and for the highest possible return.

“Retirement, health, or changing priorities—whatever your reason, your policy may still have real, tangible value.”

Policy Calculator

Ready to Take the Next Step?

If you’re wondering, “Can I sell my life insurance policy?” or “How do I start the process to sell my insurance policy?”—Summit Life Settlements is your trusted partner.

  • Talk to our advisors
  • Use our instant policy calculator
  • Book a no-pressure consultation

A life insurance policy you no longer need could be a powerful financial resource. Let us help you turn it into the financial freedom you deserve. Contact us now.

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Yes, if you meet certain eligibility criteria—like age, health status, and policy value—you may be able to sell your life insurance policy for a lump-sum cash payment.

You sell your life insurance through a legal process called a life settlement. Ownership transfers to a licensed buyer, and you receive a payout while no longer paying premiums.

You typically need to be 65+ or have major health issues, and your policy should have a face value of at least $100,000. Policies must often be permanent or convertible to permanent.

Yes, if your term policy is convertible to a permanent one. Otherwise, it may not qualify. Use our calculator or speak with us to find out.

Absolutely. Life settlements are legal and regulated in most U.S. states. We only work with licensed buyers and maintain a transparent, compliant process.

Payouts vary based on age, health, and policy value. Typically, life settlements pay more than policy surrender values. Use our calculator for an estimate.

No. Summit Life Settlements does not charge upfront costs or hidden fees. Our compensation is success-based and built into the buyer’s offer.

No problem. Contact us for a free consultation or use our online estimate tool—we’ll help you determine if selling is a smart move for you.

On average, the life settlement process takes 3–6 weeks from policy review to final payout.

Many people let policies lapse and lose all value. A life settlement offers a way to recover real financial benefit from an otherwise expiring asset.