Get a second opinion before you surrender
The surrender value comes from your insurance company alone. A settlement brings outside buyers in to compete, so it's worth knowing that number before you sign a surrender form.
Phoenix metropolitan area
Life Settlements in Phoenix
Life Settlements Now helps Phoenix seniors and policyholders find out what their life insurance could be worth before they surrender it or let it lapse.
· Licensed & insured
About our Phoenix service
Life Settlements Now is based in Phoenix, and this is where most of our clients live. Many of them bought a policy years ago for reasons that no longer apply. Now the premiums are rising, and the insurance company's surrender value seems far too low. A life settlement lets you sell the policy to a third-party buyer for a lump sum, often well above what the insurer would pay you to surrender it.
We review your policy, explain whether it may qualify, and present it to multiple buyers for the strongest offer. You can meet with us by phone or in person, and there's no obligation to accept.
Local conditions
What Phoenix policyholders should know
Policies of $100,000 and up usually qualify
Most buyers look for a face amount of around $100,000 or more. Smaller policies can sometimes sell, depending on health.
Settlements are regulated
Life settlements are overseen by state insurance regulators. Buyer approval, contract language and required disclosures are all part of the process, and so is your doctor's confirmation that you're of sound mind.
Viatical settlements for serious illness
If you're living with a terminal or chronic illness, a viatical settlement may give you access to your policy's value now, when you need it for care.
Services in Phoenix
Everything we do here.
Life Settlements
Clear guidance for seniors and policyholders considering life settlements and alternatives to letting a policy lapse.
Viatical Settlements
Clear guidance for policyholders considering viatical settlements and alternatives to letting coverage lapse.
Universal Life
Clear guidance for understanding universal life policy options.
Second-to-Die (Survivorship)
Clear guidance for understanding second-to-die life insurance and possible alternatives to surrender or lapse.
First-to-Die (Joint)
Learn how a first-to-die joint life policy works and what alternatives may be available.
Term Life (Convertible)
Understand how a convertible term life policy may fit your needs and what alternatives to surrendering or letting it lapse may exist.
Whole Life
Clear guidance for whole life policyholders considering their available options.
Before you decide,
get clear information.
If you are considering surrendering a policy or allowing it to lapse, a consultation can help you understand life settlements and other available alternatives.
