Sell your life insurance policy

Get a lump sum cash payment to support your changing financial needs. Selling your life insurance policy empowers you to get rid of costly premiums and achieve the goals you set for yourself and loved ones.

See if you qualify

Can I sell my life insurance policy

Very often, yes! Life Insurance is a valuable financial asset you can sell for a​ cash payment​. Sadly, around $140 billion in life insurance benefit is​ lapsed or surrendered​ by policyowners age 65+ every year¹. Take advantage of your asset today and have your policy appraised before you ​surrender or let it lapse​.


If you qualify for a Life Settlement, Apex Settlements pays a cash payout for your Life Insurance policy. See how much your Life Insurance policy is worth using our Life Settlement Calculator.

Avoid Insurance Policy Lapse

Cash in your life insurance policy today rather than lapsing. Apex Settlement’s make selling your Life Insurance Policy a seamless process.


Apex will help you receive a lump sum cash payment as soon as 48 hours, to make the most of whatever you have planned next.

  • Free Estimate
  • 100% Transparency
  • Effortless Process
  • Fair market value
  • Personal assistance
  • Expert Guidance

Life Settlements

If you’re at a point in life where priorities have changed, it's time to think about how to “Make the best of your life.” It's time you got rid of your unaffordable premiums on the life insurance policy you no longer need.


If you are 70+ with a life insurance policy of $100,000 or more, a life settlement can be your best move. A life settlement is the process of selling your insurance policy for a cash payment you can use and enjoy now. Don't lapse or surrender your asset! Get the cash you need to fund your future.

Life Settlements Online

Viatical Settlements

When life takes an unexpected turn, Apex’s family of Policy Guides are here. We will hold your hand and help you find the resources to face any challenge in the best possible way. One valuable source of funds may be a Viatical Settlement. A Viatical Settlement is the process of selling your life insurance when you are terminally or chronically ill. Apex guarantees that you will receive more money than your policy’s cash surrender value, giving you the financial freedom to cover expenses and see things through.
(888) 790-7778
“ I was surprised to find that a policy I almost lapsed was worth so much. I’m grateful to Apex for helping me realize this.”
“ The settlement process moved along smoothly, and Apex was very helpful throughout the whole process.”
“Apex’s Policy Guides really gave us the time to ask all our questions and get the answers we needed to figure out what was best for our family.”

How we simplify the complex settlement process

Reduce your expenses and get a lump sum payment today with our simple, transparent process:
Start the process
  • 1

    Free, no-obligation estimate

    In less than a minute², our calculator helps determine if you qualify to sell your policy and what it’s value may be.

  • 2

    One-on-one guidance

    Our friendly, knowledgeable Policy Guides answer all your questions and guide you personally at every step.

  • 3

    Get your cash payment

    Once funds are transferred to you, you can do anything with your cash payment . Life and legacy are finally up to you.

Get an estimate now and start planning what’s next

    Why sell your policy?

    Premiums are unaffordable

    In addition to freeing yourself and your family from premium payments, ​selling your policy means you will ​receive a cash payment​. Don’t let your policy lapse due to non-payment.

    Enjoy your senior living

    Senior living communities can cost $4K a month or more³ . A ​settlement​ can provide you with the resources to spend your golden years in the place you choose and deserve.

    Pay for medical care

    Medical expenses can quickly become unaffordable. Selling your life insurance policy​ can help you cover your medical needs and alleviate the unnecessary stress.

    Fund your retirement

    After working your entire life, you deserve to live how you want and do what you love. ​Selling your insurance policy can provide a comfortable living for years to come.

    Insurance no longer needed

    Whether your beneficiaries no longer need protection or the original reason for purchasing the policy no longer exists, you can lower your expenses and increase your cash in hand.

    Term policy is expiring

    Allowing your policy to lapse leaves you with nothing… But if you decide to sell it instead, you can receive a reasonable cash value​ and use the money any way you like.

    How can I keep my policy if I cannot afford my premiums?

    One strategy to lower premium expenses is to decrease the death benefit coverage. Or, eliminate premium expenses entirely by ​selling your policy​ and receiving a​ cash payment​.

    What happens if I lapse on my life insurance policy?

    Lapsing your insurance policy due to missed payments means you no longer have an active contract. While carriers typically provide a grace period to pay up, a lapsed policy will no longer provide coverage or pay a death benefit.

    Why should I consider a life settlement?

    If you no longer need or cannot afford your life insurance policy, a​ life settlement​ can be an empowering solution. Sadly, Americans age 65+ surrender or lapse $140 billion in benefits every year¹. But a life settlement​ can give you a ​cash payment​.

    Don’t lose your lifelong investment.
    Discover your policy’s value today.

    See if you qualify

    Let's get in touch!

    Apex consists of an expert family of Policy Guides who offer insightful education, continuous guidance, and direct access to life settlement capital markets. We promise you an informed, 1:1, hands-on experience that will leave you feeling in control and in the know.
    (888) 790-7778


    ¹ Wesley Costa, "CFP Board Proposal to Extend Fiduciary Duty Could Improve Awareness of Life Settlements", Life Insurance Settlement Association, June 29, 2017

    ² This was the average obtained from a dozen people who completed the form.