How much is my Policy Worth?

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    Sell Your Life Insurance

    Get cash now, fund your retirement, and

    settle for a peace of mind.

    Get Started


    Selling Your Life Insurance Policy Can Help Pay For Your ‍Immediate And Long Term Needs.

    Did you know you can sell your life insurance policy for a lump cash sum?

    Many seniors are unaware that their life insurance policy is a liquid asset. If you meet eligibility criteria, you may be able to sell your policy for up to 60% of its death benefit value. Harbor Life Settlements, through its decades of insurance experience, offers this option, known as a life settlement, to seniors looking for ways to fund living expenses, long term care, leisure activities and more. We’ll answer all of your questions, walk you through the entire process, and if you decide to sell – we do all the work to find the right buyer and bring the best value for your policy.

    Seniors & retirees ask us, "Can I sell my life insurance policy?"

    You sure can sell your life insurance policy. Stop paying over-priced, steadily increasing premiums and fund your retirement now. By selling your life insurance through a life settlement, you'll receive a lump cash sum that can be used however you'd like.

    Harbor Life Settlements provides a free, no-risk consultation and policy value estimate with no obligation to sell. Discover what your life insurance policy is worth in cash. One phone call can get the process started, beginning with determining your eligibility.

    Call 1-800-694-0006 now!

    Excited senior citizens
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    Hit the retirement jackpot

    Your life settlement allows you to cash in more than the surrender value on your policy when you need it.

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    Drop your monthly expenses

    Stop paying monthly insurance premiums and use that money to take care of your immediate and long term needs by selling a life insurance policy.

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    Enjoy your retirement

    Can you sell your life insurance? Yes you can! So stop struggling. Get cash upfront and enjoy your golden years.

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    Cover medical expenses

    Doctors appointments, community living, medications, unforeseen illnesses, and medical expenses can add up. Luckily your life settlement can ease any financial burden.

    Woman smiling

    Margie got $220,000 for her $600,000 policy.

    Margie realized her life insurance premium was getting ready to triple in price. Her children were grown up and financially independent. She decided it was the perfect time for her to sell her policy. She called Harbor Life, and they helped her get the most out of her policy quickly.

    Use cash to pay for senior living and healthcare.

    Settle For A Peace Of Mind

    policy payout*

    You can receive up to 60% of your policy value in cash now.

    no obligation to sell

    Contact us for a free consultation. We answer all of your questions and guide you through the entire process.

    of people lapse policies

    Don’t let your policy lapse. Get more than the surrender value by selling it instead.

    We Make It Easy To Sell Your Life Insurance

    In less than 5 minutes, you provide us with the key information about your policy and yourself, and we handle the rest. We will provide you with a cash estimate on the value of your policy, find the right buyer with the highest offer, then handle all the paperwork to make things easy for you.

    Get Funds For Senior Living & Healthcare

    By selling your life insurance policy, you can get the cash you need to pay for immediate and long-term needs for senior living and heath-care. Learn about costs of senior living and healthcare.

    Need Cash Now?

    It usually takes a really long time to sell your life insurance policy, but not with Harbor Life. Instead of the typical 6-9 months it traditionally takes, Harbor Life buys out life insurance policies for cash in as little as a few weeks. You can get the money you need now and capture the value of your policy before it is too late.

    Happy senior man


    Who purchases life insurance policies?

    When selling a life insurance policy, you can choose to do so through a provider, broker, or life settlement company. Providers are third party organizations and investors who actually buy the policy, but working with them means you’ll only get a single offer. Instead, you may choose to work with a broker who works with multiple providers to give you additional offers. For best results, you should work with a life settlement company such as Harbor Life who uses its network of providers and brokers to get you the most offers and highest value for your policy. 

    Harbor Life also utilizes its relationship with its sister company (Harbor Life Brokerage, a registered broker), to help ensure you get a good offer for your policy if the others are not satisfactory.

    Are there any expenses to use Harbor Life?

    At Harbor Life, we are here to help and do not charge for any of our initial consultation or policy value estimation services. You’ll only pay if you decide to sell your policy and choose to partner with Harbor Life during the life settlement process.

    How do I know how much my policy is worth?

    The offer on your policy is based on many things including your age, health, policy size, and premium cost. Fill out some basic info on our simple form to get started.

    What are the first steps to sell my policy?

    The first step of selling your policy is to simply answer a few questions about yourself. It takes less than five minutes to get the process started by filling out our form, and once completed we’ll get in touch with you soon to provide more information on the value of your policy.

    Is Harbor Life confidential?

    Yes, Harbor Life is completely confidential. We will never share or sell your information to anyone. We will use the information you provide to connect you to the most qualified buyer in your area.

    Selling a life insurance policy can pay seniors an average of 4 to 11 times more than what they would receive from the insurer for a surrendered policy.

    - US Government Accountability Office (2010) and the London Business School (2013).

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    Sell Your Life Insurance

    Get cash now, fund your retirement, and
    settle for a peace of mind.

      By clicking the button below, I agree that I have read, understood, and agreed to all of Harbor Life's disclaimers and terms.

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