We have an unfair advantage, we care more.

As a Life Settlement broker, we help people understand and maximize the value of their life insurance. Our many advantages will help you sell your life insurance policy by increasing the competitive bidding and revealing the best outcome for any policy.

To get started, use our Visual Valuator to see the initial valuation of your policy.

Visual Valuator

Welcome to Settlement Benefits Association

At Settlement Benefits Association, we have been assisting individuals through the Life Settlement process since 2002. We are a dedicated team of professionals who specialize in maximizing the value of your policy.  We have substantial working relationships with the top licensed funding groups, and we are prepared to help you find the best options for your life insurance policy. 

As a professional Life Settlement broker, we take our fiduciary responsibility seriously by offering every client individualized attention. Our goal is to secure the maximum value on your Life Settlement.  Our data driven process creates immense competition amongst buyers and benefits you.  We stand by our commitment to privacy, giving you the security you need to make these essential decisions.

Why Sell Your Life Insurance Policy? 

Settlement Benefits Association primarily works with life insurance policy owners with a face value of $100,000 or greater. Some of the most common reasons people come to us for assistance include:

Changing life circumstances

Perhaps you simply do not need or want the life insurance policy you took out years ago. In this case, you can exchange premium costs for a lump sum of cash you can use right now.  It might be time to appraise your policy and consider your options.  Retirement, divorce, the death of a spouse, even the sale of a business can create new needs.

Expensive life insurance premiums 

As you get older, many life insurance products get more expensive.  Additionally, many carriers have recently raised their cost of insurance formulas, making policies cost more.  Many policy have underperformed initial projections.  When the premiums become unaffordable or just unattractive, selling a life insurance policy could be a better outcome.

Medical bills

Changing health circumstances can have tremendous financial implications and create financial toxicity.  Even with careful planning, a high-cost treatment or accident can throw anyone’s finances off schedule. Sometimes trading in your life insurance for a settlement is the best way to pay medical bills or medical debt. 

Retirement funding

Saving for retirement can be a challenge. Most people do not know how much they need until they retire. A Life Settlement can solve dwindling funds, allowing you to do more of what you want.

Whatever your reason, Settlement Benefits Association will work with you to get a cash settlement delivered in as little as 2-6 weeks. Learn more about whether you are eligible for a Life Settlement or Viatical Settlement and how you can prepare for the next stage in your life with new funds.  We even offer instant valuations with our Visual Valuator.

Life Settlements vs. Viatical Settlements

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Life Settlements

Life Settlements are ideal for individuals aged 65 or older interested in exchanging their life insurance policy for cash. If you have a qualifying policy, we will walk you through our Life Settlement process and make sure you understand every step before moving forward.

Viatical Settlements

Viatical Settlements are designed for chronically or terminally ill individuals. If a Viatical Settlement is right for you, our experts will work with you to expedite the process and help you receive the maximum benefits. You can use the payment from this settlement for anything you wish, including medical bills.

TESTIMONIALS

Hear From People Just Like You

You do not have to take our qualifications and promises at face value — our testimonials speak for themselves. See how we have helped others receive the maximum value for their life insurance policy.

Praise from a Marketing GA in Weston, FL

“You guys are the true settlement gurus.”

Marketing GA in Weston, FL

Life Settlement testimonial

“Your policy of letting me set my own commission has been perfectly suited for my agency. …

“Your policy of letting me set my own commission has been perfectly suited for my agency. It allows me to accomplish both of my goals simultaneously; meeting my clients needs and increasing my own income. Our last two deals are perfectly inverse examples. As you know, I didn’t take a large commission on the Hill Life Settlement, but I won big time by putting him into a new policy and a single premium annuity. Then again, the Lombardi case was the other end of the spectrum, since he was using the proceeds for something outside my office, I was able to take the commission I needed, and once again everybody was happy. Thanks again for making my life easier.”

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R. Romano, CEA, insurance agency owner in South Carolina

Testimonial from a Marketing GA in Weston, FL

“If you have aging clients, and their older policies aren’t performing according to what…

“If you have aging clients, and their older policies aren’t performing according to what they anticipated, OR a term policy that is running out of time, and the conversion premium is much too expensive, What do you do? Contact Settlement Benefits Association, and get some great professional advice on many additional options, which will include helping your client, while at the same time earning multiple commissions. They are a National Company and we have had tremendous success with them. We have been working closely with this experienced life settlement broker, Settlement Benefits Association. They are diligent, effective, and can help us evaluate and productively settle policies. I’ve seen first hand how they obtain the highest offers and help walk us through this new process.”

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Harry

Testimonial from a financial professional in Illinois

“I believe that you have been persistent enough to stay in touch, and send me information …

“I believe that you have been persistent enough to stay in touch, and send me information in the mail and things like that to keep me informed…that goes a long way.”

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L.H, Illinois

Financial Professional says “SBA has exceeded and surpassed all of our expectations.

“Thanks again SBA for a job well done on our most recent file. For anyone who is a Financi…

“Thanks again SBA for a job well done on our most recent file. For anyone who is a Financial Advisor, Life Agent or Estate Planner, Settlement Benefits should be your Life Settlement Broker of choice. SBA is Professional, timely and most of all ethical. SBA has exceeded and surpassed all of our expectations. The Bottom Line: SBA will get the job done when others cannot.”

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Brad H. Ankeny, Iowa

Testimonial from a trustee in NY

“In closing, I wanted to thank you very much for all your help along the way. You’ve bee…

“In closing, I wanted to thank you very much for all your help along the way. You’ve been a real gentleman, and certainly very efficient. And I want to thank you. I have, through the years, spoken to many legal departments and insurance agents, and you really made a rather complicated matter easy, and I do thank you for that.”

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James

Testimonial from a Planned Gifts Officer

“I think ultimately everyone involved is pleased with the outcome. Learned a lot in pursui…

“I think ultimately everyone involved is pleased with the outcome. Learned a lot in pursuing the life settlement arrangement…I want to thank you for being a wonderful guide throughout this process. Enjoyed getting to know you, and will call again next time we come across a similar situation.”

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Planned Gifts Officer

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Life Settlement Calculator

How much can you get from a cash settlement and what can you do with your newly available funds? Our visual valuator can give you an estimate in minutes.

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