What Types Of Life Insurance Policies Qualify For A Life Settlement?

If you’re asking, “Can I sell my policy?”—the answer might surprise you. Some policyholders believe that only certain kinds of life insurance qualify for a life settlement, but in reality, with LifeRoc a wide range of policies can be sold—often for far more than their cash surrender value.

At LifeRoc, we’ve helped countless policyholders navigate this decision with confidence. With extensive experience in both insurance and life settlements, our team is uniquely equipped to evaluate simple to complex policies and then obtain great value for your policy..

Here Are The Most Common Policy Types That May Qualify For A Life Settlement:

🔹Term Life Insurance

Term life insurance typically qualifies—especially if it is convertible to permanent coverage, LifeRoc may be able to help you convert and sell your policy before it lapses.

🔹 Universal Life Insurance

One of the most common policies we work with. These flexible, permanent policies typically build cash value and are excellent candidates for a life settlement, especially if premiums are becoming burdensome in retirement.

🔹 Whole Life Insurance

Whole life policies often have strong cash value and fixed premiums, making them a solid option to sell your policy for cash—especially if your coverage needs have changed.

🔹 Variable Life Insurance

While more complex, these investment-tied policies can still qualify. Our team has the industry knowledge to evaluate whether a variable life policy qualifies for a life settlement based on market conditions and policy performance.

🔹 Indexed Universal Life (IUL)

These policies grow based on a stock index (like the S&P 500). If your IUL premiums are no longer sustainable or you no longer need the coverage, you may be able to sell your life insurance policy through a settlement and unlock significant value.

Not sure if your policy qualifies? LifeRoc can help! Our team can quickly assess your coverage and let you know if a life settlement is an option—often within 24 hours

Why LifeRoc Life Settlements?

We know insurance from the inside out—and that makes a difference. Our team brings over 200 years of combined experience and has handled $20+ billion in life settlements. We work directly with our large network of funders, never charge broker commissions, and provide a free, no-obligation appraisal—so you can make the best choice for your financial future.

Not Sure If Your Policy Will Qualify For A Life Settlement?
Let’s Find Out Together.

If you’re considering letting your policy go, or you simply want to know if it holds value, we invite you to connect with us.

Contact LifeRoc Direct today for your free policy appraisal. It costs nothing to find out—but it could be worth everything.