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What is a Life Settlement?


A Life Settlement is the sale of an existing life insurance policy, where the policy owner sales the policy in exchange for a lump-sum cash benefit. Policy ownership is changed and the new owner assumes premium payments and becomes the beneficiary. The sale of an existing Life Insurance policy can provide many benefits to the policy owner.

Why Use IMS Associates?


  • Over 50 years of Combined Experience

  • Competitive & Transparent Auction Process

  • Proprietary Policy Pricing Model

  • Life Settlement Training & Education

  • IMS Satisfaction Guarantee

Policies That Qualify


  • Type: Universal Life, Indexed Universal Life, Whole Life, Convertible Term, and Joint Survivorship Policies

  • Insured Age: Ages 70+ (some younger ages can qualify)

  • Face Amounts: $100,000 – 100,000,000+

  • Health Status: The Insured has experienced a moderate or major change in the health since policy issue

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About Us


IMS Settlements is a Life Settlement Broker and is one of the established leaders in the life insurance settlement market. IMS Settlements has established a network of over thirty-five institutional funding and life settlement provider sources, ensuring that every life settlement case we handle will receive bids that are higher and more competitive than  any other life settlement company.

Case Examples