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What is a Life Settlement?


A Life Settlement is the sale of a life insurance policy generating proceeds that greatly exceed the cash surrender value. Policy ownership is changed and the new owner assumes premium payments.

Why Use IMS Associates?


  • Experience & Integrity

  • Competitive & Transparent Auction Process

  • Life Settlement Education

  • Transaction Management

  • Advanced Planning

Policies That Qualify


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

  • Insured Age: 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

About Us


IMS Associates Financial & Insurance Services is a life settlement broker and is one of the established leaders in the life insurance settlement market. IMS Associates 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