See Why Customers Love LifeRoc Direct
“ The guys at LifeRoc helped explain my policy and my liquidity options. In the end I got the cash I needed from my old policy, obtained a new policy, and saved money on my premiums.” Will W.
“ The team at LifeRoc Direct helped when no one else could. They were professional and fast to respond.” Lauri B.
No Longer Wanted + No Longer Needed + No Longer Affordable
A life settlement is a transaction in which a policy owner sells a life insurance policy that is no longer wanted, no longer needed, or is no longer affordable. The policy owner receives a cash payment from the buyer that exceeds the policy’s surrender value offered by the insurance carrier and has no on-going responsibility to pay any future premiums.
Could a Life Settlement Be Right For You?
If you answer "yes"? to any of these questions, a life
settlement might be right
Did You Know 88% of Universal Life Insurance Policies Never Pay a Death Claim?
A Life Settlement can be a valuable tool that allows you to cash in on your policy, instead of letting it lapse, or instead of continuing to make expensive premium payments. A cash payment from a life insurance settlement can be used however you like, such as to cover medical expenses, go on a great vacation, pay down debt, etc.
Unlock Policy Value
Your policy may be worth significantly more than the surrender value (if any) offered by the insurance carrier. A life settlement can unlock this additional value.
Fund Your Retirement
You can use the proceeds from a Life Settlement anyway you chose. Many clients opt to use their cash payment to supplement their retirement plans.
Cut Your Expenses
Paying periodic premiums for life insurance during retirement can become burdensome. Especially if the insurance carrier has increased your premium.
Cover Medical Bills
Chronic and/or severe medical conditions can lead to crushing medical bills. A life settlement may be able to help by providing you the cash to ensure you get the treatment you need.
Just 4 Simple, Easy & Fast Steps To Financial Freedom!
Exploring a life insurance settlement is simple, easy, and fast. Your dedicated client advocate at LifeRoc Direct will assist you with any paperwork and information gathering to ensure the process goes smoothly.
You Complete A Policy Submission
With our help your submission can take just minutes.
We Underwrite Your File
Basic Policy and Health information is gathered for your evaluation.
Buyer(s) Make an Offer
An offer may be made for qualifying policies.
You Complete Closing & Get
Once closing has completed you will receive your cash payment!
Say Goodbye to Your Old Life Insurance Policy & Hello to Financial Freedom.
Many of our clients qualify for a life settlement or one of our other cost savings programs. Most types of life insurance policies are eligible for a life settlement. However, every policy and the circumstances around the insured are different. As such we encourage you to discuss the specifics of your policy with us to ensure you qualify.
Universal Life, Term Life, Whole Life, Variable Life, & Joint Survivorship
Ages 70+ (some younger ages can qualify)
$100,000 - 100,000,000+
The insured has experienced a moderate or major change in health since policy issue
*Below are samples we generated, drawing from actual case data which one or more team member have seen, so you can see what a life settlement may mean for individuals with different circumstances.
Case Sample 1:
Male Age 65
$5M Term Policy
with $0.00 Cash Value
Case Sample 2:
Female Age 70
$250k Universal Life Policy
with $3,000.00 Cash Value
Case Sample 3:
Male Age 86
$2M Whole Life Policy
with $475,000.00 Cash Value
About LifeRoc Direct, LLC
Your Trusted Life Settlement Resource
The LifeRoc group of companies provides advisors and clients with best in class life settlement strategies and services. Our team has 60+ years of combined life settlement experience and has facilitated over $10 billion of life settlement transactions.