Older couple flying a kite

We have an unfair advantage, we care more.

As a Life Settlement company, we help people understand and maximize the value of their life insurance. Our many advantages will help you sell your life insurance policy and receive a fast, fair settlement.

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

Visual Valuator

Our Life Settlement Process

Whatever your reason for wanting to sell your life insurance policy, Settlement Benefits Association can help. The Life Settlement process involves the following steps:

Life Settlement Requirements

To qualify for a Life Settlement, you must:

  • Be 65 years of age or older.
  • Have a qualifying policy worth $100,000 or more.

To meet the qualifications for a Viatical Settlement, the policy owner must be chronically or terminally ill, as determined by a doctor.

You can be in very good health to qualify for a Life Settlement. Often, people who are ill receive a better settlement because the buyer has a better chance of collecting their benefit early.

Keep in mind that your state may have additional requirements. For example, most states have a mandatory payment period between two and five years. This means you have the policy in force for that long before you can qualify for a Life Settlement.

Visual Valuator

Dad grilling dinner for his family. Two financial professionals agreeing to a life settlement offer

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.

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

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

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

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Advantages of Working With Settlement Benefits Association

At Settlement Benefits Association, we set ourselves apart as a leader in the Life Settlement industry.