If you’re thinking about selling your life insurance policy for cash, here’s something most people don’t realize: Not all companies that buy life insurance policies work the same way — and the difference can affect how much money you receive.

This simple guide breaks down what to look for and why many policyholders choose LifeRoc when they want strong offers, no middlemen, and a straightforward process.

Choose A Life Settlement Direct Provider, Not a Broker

In the life settlement world, there are two main types of companies:

• Direct Providers — who work directly with the funders that buy policies
• Brokers — middlemen who pass your case to a direct provider and take a cut of your payout

Here’s the part most consumers never hear:
Brokers often take 20%–30% of your payout in commissions.
That’s money that could have gone directly to you or your family.

LifeRoc is a leading direct provider, meaning you work directly with the company that brings your policy to the funders — no middleman, no third-party broker commissions.
100% of the gross offer goes to you.

Work With A Company That Has A Large Funder Network

The more funders reviewing your policy, the stronger the potential for a great offer. Some companies work with a limited funder network that could limit your options before you even start.

LifeRoc has the industry-leading large network of funders which is known for its ability to deliver strong offers.

Look For Life Insurance & Life Settlement Industry Experience

Selling a life insurance policy involves understanding:

• Policy design
• Medical underwriting
• Pricing structures
• Negotiation
• Legal and financial details 

You want a company with deep experience on both the life insurance and life settlement sides.

LifeRoc’s team brings over 200 years of combined experience in life insurance and life settlements and has settled over $20 billion in face amount in their careers. Policyholders feel the difference in knowledge and guidance from the very first call.

Choose A Company That Is Known For Exceptional Service

A trusted life settlement provider should make the process as simple, streamlined, and fast as possible:

• Explains the process in simple terms and clearly communicates throughout
• Handles every detail, from requesting medical records to completing the necessary paperwork
• Negotiates with funders to obtain great offers quickly

LifeRoc handles everything from your first call and free policy appraisal all the way through closing and payment, ensuring a clear, simple, and professional experience.

Why Policyholders Choose LifeRoc For Life Settlements

LifeRoc brings together everything policyholders should be looking for in a life settlement company:

• Direct access to LifeRoc’s large, leading network of funders
• No third-party broker commissions — 100% of the gross offer goes to you

• More than 200 years of combined life insurance and life settlement industry experience
• Over $20 billion in face amount settled in their careers
• Exceptional service throughout the entire process

Considering Selling Your Life Insurance Policy?

LifeRoc Can Answer Any Questions You Might Have

If you are looking for a company that buys life insurance policies and are interested in finding out what your policy may be worth, LifeRoc is here to help you explore your options with a detailed appraisal and professional process — so more money stays where it belongs: with you and your family.

Contact us today to learn more about your options. Fill out the form below or give us a call at (833)678-7355 —
our team is here to help you every step of the way.

Have more questions? Visit our Frequently Asked Questions Page