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www.lifesettlementoption.com connects insurance policy owners with life settlement brokers and assists in the application process.   Life Settlement Broker License for Anne Dalisay #0K39790.

Contact Us  213.784.1481 | zack@lucentelmgroup.com

3460 Torrance Blvd, Suite 300

Torrance, CA 90503

Life Settlement Calculator

Get Started with an Informal Appraisal


Life settlements require that the insured is at least 60 years of age or has been diagnosed with a terminal illness, and the death benefit of the policy has a minimum of $100,000.  

A great place to get started would be to find out an approximate value of your policy.  Complete the informal appraisal request form on this page to find out, or give us a call at 213.784.1481


Your health status, age, life expectancy, current premium, cost of insurance, and cash value in the policy will all be considered in the appraisal of your policy.  Universal Life and whole life policies are the most common types of policies that are purchased in life settlements, however 2nd to Die policies are also common, as are Term Policies, particularly when they are convertible to permanent insurance policies.  For term policies, you will find a conversion deadline in your policy, and for folks in their 60s that are still healthy, the success rate for selling these is about 50%.    

We are a team of life settlement experts with the goal of finding you the highest bidder for your life insurance policy.  The value of your life insurance policy has a lot of factors to consider, but to give you an idea we often see offers for 30% - 50% of the death benefit while folks with only 2-3 years left to live can receive 60%-80% of the death benefit depending on their health status.  For a healthy person with a small convertible term policy, they may get as low as $5k, which is still a lot better than just letting the term end and getting nothing. 


Life settlements require some time to close, so if you're considering the life settlement option, get started today by submitting your details in the life settlement appraisal form, and we'll help you determine if you can qualify and what your policy might be worth if we bring it to market.