Sell your life insurance policy

A life insurance policy is treated as personal property and can be sold. Before you let your policy lapse or surrender it, take our assessment to see if you qualify to sell it for cash instead!

F R E E  G U I D E
The Complete Guide To Selling Your Life Insurance Policy

Everything you need to know and understanding if it’s right for you.

What Is A Life Settlement? It’s When You Sell Your Life Insurance Policy

What exactly is a life settlement and how does it work?

Why Would I Sell My Life Insurance Policy? Is That A Bad Idea?

It’s important to understand if you should keep or sell your policy.

Do what’s right for you

Why would I sell my life insurance policy?

It may be better to sell than letting your policy lapse or giving it back to the insurance company. People often decided to sell (called a life settlement) if their policy’s premium payments have become too much, if they need help paying for expenses, or if they want to have a more comfortable retirement.

Why Richard?

Richard Recommends helps those who have life insurance policies, and have come under difficult circumstances, have rising premiums, or simply don’t need their policy.

Whether you want to finally go on that dream vacation, save for retirement, help send your grandchildren to college, donate to a charity, or even buy a new house, you have endless possibilities for using the cash you could receive from selling your life insurance policy.

Licenced Life Settlement Brokers & Providers

We work with life settlement brokers & providers to help you get the partner for your situation, and the highest payment possible for your policy!

Registered Partners with LISA

All of our partners are Life Insurance Settlement Association registered so you can rest assured they abide by the highest standards and will put your best interests first.

How to get life insurance cash:

Using our process you can get a quote and plan of action from a registered broker or provider within minutes:

1. Take the online assessment

Our innovative online assessment can help you find the right partner for your specific situation. There are many types of policies, so pairing you with the right professional is crucial when trying to get the best price and best advice on your policy.

2. We search for the best Richard Partner

We search our network of brokers & providers to automatically find you the best partner for your specific needs.

3. Receive Your Offer

Within minutes you will receive a call from a registered broker or provider who can walk you through the answers to your assessment and give you a quote for what your policy might be worth in cash, what the best plan of action is, and if you should consider keeping it instead.

4. Sit Back & Get Your Cash

When you decide to work with one of our brokers or providers they will start to market your policy to investors on your behalf. All you have to do is sit back and relax while they do the work for you.

See if you qualify to sell your policy

It only takes 30 seconds to see what your policy is worth

Start now

Customer questions

Frequently asked questions

See what some of our users are asking…

What is a life settlement?

A Life Settlement is the sale of a life insurance policy in exchange for a cash settlement in excess of the policy’s cash surrender value—even if none exists! This innovative wealth and estate planning tool removes the burden of expensive insurance premium payments in addition to providing the lump sum cash settlement.

How do I get paid?

Once we qualify your policy and find the buyer, you get the cash.

Why should I sell my life insurance policy?

There are actually a lot of cases where selling a life insurance policy makes sense for most Americans:

1️. High Premiums. 

Instead of letting the policy lapse, you can sell the policy using a life settlement. Investors will give you 10-20x what your life insurance provider may pay you to surrender the policy!

2️. Don’t Need The Policy

. If your family is already in good financial standing then it may not make sense to continue paying the premiums on your policy. The insured party may no longer need the policy for their spouse or family.

3️. Cases Of Emergencies.

 In cases where an unexpected event arises, such as the death or illness of a family member, the owner may need to sell the policy for cash to cover these expenses.

The reviews are in

Hear what our users have to say

Richard was great to work with! We got connected with the right partner fast and are well on our way to selling our policy!

Joanne W.

I didn’t know I could sell before visiting Richard Recommends, but now I would also RECOMMEND them to anyone.

Jonathan K.

This industry is confusing so I’m glad I found Richard Recommends who connected me with someone right away!

Harvey S.
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