How much could I get for my policy?

It depends on your age, health, policy type, and face value. Most offers range from 10–25% of the death benefit — often significantly more than the cash surrender value your insurance company offers. In 2025, the average settlement payout was $212,066 vs. average insurer surrender payout of $24,360.

Can I sell a term life insurance policy?

Yes, but it usually needs to be convertible to a permanent policy first. We'll help you check if your term policy qualifies and walk you through conversion options if needed.

What's the process? What do I need to do?

We start with a free policy analysis. If your policy qualifies, we'll send simple paperwork via DocuSign, request medical records on your behalf, and then present you with offers. You decide whether to accept.

What medical information do you need?

We'll just need your medical records to estimate your policy's value. We'll handle the paperwork - you just sign a HIPAA release form.

Do I have to tell my insurance company?

Not at first. We can gather most information directly from carriers on your behalf. They'll only be notified if you decide to accept an offer and transfer ownership.

What if I'm not sure I want to sell?

That's okay. The evaluation is completely free with no obligation. Most people just want to know what their policy is worth - you can decide later.

LIFE SETTLEMENT SPECIALISTS · 20+ YEARS EXPERIENCE

Still Paying for a Policy You No Longer Need?

If your premiums have become a burden — or your policy just doesn't fit your life anymore — there may be a better option. Find out what your policy may be worth. Free. No commitment.

Q Life Direct is the direct-to-consumer service of Q Life Settlements.

See What My Policy Is Worth

Or call us:

1-872-278-4171

Seniors with a $100K+ policy?

Free estimate

No out-of-pocket fees

Have a term policy? We can help you explore conversion options — or find out if it qualifies for a settlement as-is.

AS SEEN IN

Premiums Are Getting Harder to Afford

As costs rise, maintaining a large policy can become a strain on your monthly budget.

You No Longer Need the Coverage

Children are grown, your home is paid off, and the original reason for the policy has passed.

Policy Loans Are Eating Into Value

If you've borrowed against your policy, the outstanding loan may be reducing what you'd receive — and a settlement could still net you more.

Your Term Policy Is About to Expire

If your term policy is nearing its end, you may have a limited window to convert or sell it before it expires with nothing to show.

Submit Your Details

Provide basic info about your policy and health to see if you qualify.

Receive Your Estimate

Our experts analyze your policy and provide a realistic cash value estimate.

Get Funded

Review the offer, complete the transfer, and receive your lump-sum payout.

Get My Free Estimate

Some clients may be eligible to receive a cash offer in as little as 48 hours.⁴ Timelines vary by case.

90%^¹

of Universal Life policies are lapsed or surrendered, paying back little to nothing.

Nearly 9x^²

average 2025 settlement payout $212,066 vs. average insurer surrender payout $24,360.

$22B^³

Annual amount left on the table by individuals who walk away from their policies.

"In 2025, life settlements returned $626.6 million to consumers — $554.6 million more than surrender or lapse would have paid."²

Get Your Estimate

Tom A.

Sold his term policy — hear his story

Phyllis C.

Turned an unused policy into cash

Robert P.

Real payout, real peace of mind

See If You Qualify

Seniors

Typically for seniors looking to optimize their retirement assets.

Face value $100,000+

Most buyers look for policies with a significant benefit amount.

Universal/Whole/Term policy

Most major types of life insurance are eligible for settlement.

Get My Free Estimate

Have questions? Call 1-872-278-4171

ABOUT Q LIFE SETTLEMENT

You're Never Alone in This Process

You'll work with a dedicated advocate who knows your name and your story.

Free Evaluation, No Obligation

Get your policy valued at no cost. You're never pressured to sell.

We Handle the Paperwork

DocuSign forms, medical records requests, carrier communications — we do the heavy lifting.

No Pressure, Your Timeline

Take your time. Most clients talk to us 2–3 times before deciding. We're here when you're ready.

Your Information Stays Private

We only share what's needed to get you offers. Your data is never sold.

Get My Free Policy Evaluation

Get My Free Estimate

Or call 1-872-278-4171

¹ https://www.naepcjournal.org/issue/41/maximizing-life-settlement-value-through-policy-auction
² LISA Member Data Collection Survey, 2025
³ https://www.lisa.org/why_sell-fa
⁴ Fast offer timelines are dependent on the availability of medical records via Medicare.gov or Apple Health, or personal upload, along with a copy of the full policy.

Legal Disclaimer: Q Life Direct is a website OPERATED by ImagineQ, LLC on behalf of Q Life Settlements LLC. Q Life Direct is the direct-to-consumer service of Q Life Settlements. Neither Q Life Direct nor ImagineQ is a licensed life settlement provider. ImagineQ works with licensed life settlement providers to complete transactions. All rights reserved.

Still Paying for a Policy You No Longer Need?

Is Your Policy Still Working for You?

Premiums Are Getting Harder to Afford

You No Longer Need the Coverage

Policy Loans Are Eating Into Value

Your Term Policy Is About to Expire

How It Works

Submit Your Details

Receive Your Estimate

Get Funded

Most People Don't Know This Is an Option

What Our Clients Say

Do You Qualify?

Common Questions

You're Never Alone in This Process

Find Out What Your Policy May Be Worth