The cash surrender value of a life insurance policy is the amount of money that a life insurance company will pay to the policy owner when the policy is voluntarily terminated before its maturity or death of the insured. The cash surrender value is determined by deducting any applicable surrender charges from the accumulation value (the savings component of universal life, variable life, or whole life policies). The surrender charges are higher in the early years of a policy and are usually lowered on each policy anniversary until the charge is eliminated at some point, often in policy year 15 or 20.

Cash Surrender Value vs. Life Settlement Market Value

Qualified policyholders over the age of 65 or who have been diagnosed with a life-threatening illness, may be eligible for a cash offer from the life settlement option. A life settlement is an alternative to surrendering a life insurance policy for its cash value. A life settlement allows policyholders to access a secondary market for life insurance policies where state licensed financial institutions compete to purchase policies as an investment. A life settlement payout is always higher than the cash surrender value.

Selling Your Life Insurance Policy Is An Important Decision

How do you know if you will receive the best offer when you sell your life insurance policy? The only way to know for sure is to apply to every licensed buyer in your state, which could be 10-35 different companies. And those direct buyers do not have your best interest in mind, they represent their investors. At Welcome Funds, we've leveled the playing field for policy owners. We negotiate the best offer for you by conducting an auction with these buyers. When buyers complete, policy owners win! One application, multiple buyers, it's what we call...Life Settlements. Simplified.

Welcome Funds Represents You!

Founded in 2000, Welcome Funds is a nationally licensed life settlement broker that represents policy owners who want to sell their life insurance policy in the secondary market. Our institutional life insurance buyers compete in an auction bidding process to ensure that we secure the highest offer from the life settlement market. We've negotiated over 32,000 offers and provided more than $1 Billion in sales proceeds to our clients. Please review our website to learn more about how we can provide professional representation and expert advice on selling your life insurance policy.

  • It's Absolutely FREE to Find Out if You or Your Loved One Is Eligible to Sell A Life Insurance Policy
  • There's No Obligation at Any Time
  • Our Life Settlement Qualification Process is Completely Confidential
  • We Provide a FREE Personal Consultation & Appraisal

Complete our Quick Life Settlement Qualifier or call us toll-free at 1.877.227.4484 to speak with a Client Care Advocate.

Sell Your Life Insurance policy