IMS Settlements

Your Life Settlement Broker

As a leading Life Settlement Broker, IMS Settlements partners with both Policy Owners and Financial Professionals in navigating the Life Settlement process.

Our simplified and transparent process allows you to quickly maximize the value of your Life Insurance policy.

Contact IMS Settlements to find out the true Value of Selling your Life Insurance Policy.

What is a
Life Settlement?

A Life Settlement is the sale of an existing Life Insurance policy. In a Life Settlement, the Policy Owner sales the policy to a new owner in exchange for a lump-sum of cash.

How does the Life Settlement process work?

The ownership of the policy changes from the Original Owner to a New Owner who pays any remaining premium payments due and becomes the Beneficiary of the policy.

How do I start the Life Settlement process?

As a licensed Life Settlement Broker, IMS Settlements can help you review all of your options and ensure that you receive the most money for your policy if you decide to sell it.


What Kind of Life Insurance Policies Qualify

There are a variety of Life Insurance policies that may qualify for a Life Settlement. Parameters for every case varies but generally there are a few things to consider, including the type of Policy, Insured’s Age, Face Amount, and Health Status.

Type of Policy

» Universal Life
» Indexed Universal Life
Whole Life
» Convertible Term
» Non Convertible Term
» Joint Survivorship Policies
» Variable Life

*Check with IMS if your policy type is not listed

Insured’s Age

Ages 65 and Older
(some younger ages can qualify)

Generally the older the Insured the larger the value of the Life Settlement.

Face Amount

$100,000 – 100,000,000 +


The larger the policy the larger potential value of the Life Settlement

Health Status

A moderate or major change in the Insured’s health since policy issue.

A more significant change in health since policy Issue creates more value in a Life Settlement.

IMS Settlements is your Life Settlement partner.
Get the expert advice you need on your Life Settlement case today!

Life Settlement Success Stories

Robert was 74 years old and had $1,500,000 Convertible Term policy that was expiring. When he called his advisor to discuss surrendering his policy he discovered his policy could be Converted and Sold. Robert went from surrendering his policy for no value to selling his policy for the highest market value.

Michael, an 82 year old male living by himself and was beginning to have issues supporting himself day to day. Michael owned a $250,000 Universal Life policy with an Annual Premium of $9,575 dollars. Michael sold his policy and used the money to pay for In-Home Long-Term Care support to allow him to maintain his independence and remain in his home.

Cheryl & Tom were both 78 years old, their children had grown up and were all financially independent.
While they had health issues they were both still full of passion and were able to sell their $2,000,000 Joint Survivor Life policy and use the funds to travel the country in their RV.

*The above are based on real stories but have been fictionalized for illustrative purposes. IMS’s client information is always kept strictly confidential.

Benefits of a Life Settlement

Selling an existing Life Insurance policy can provide many benefits to the Policy Owner:

  • Lump-Sum Cash Payment
  • Remove burden of Premium Payments
  • Use money for Medical Expenses or Quality of Life improvements

Why Work with
IMS Settlements?

IMS Settlements is a top Life Settlement broker and one of the established leaders in the market:

  • Over 50 years of combined experience
  • Highest Standards of Professionalism and Integrity
  • Express Policy Pricing
  • Propriety pricing models and Valuation Methods
  • IMS Promise – Satisfaction Guarantee


Experience the IMS Difference

“IMS always provides me and my clients with top service and great offers.”

-Bruce H

Financial Advisor

“IMS worked hard to help educate us about the process and the suitability of a life settlement. Once we got the process started he was transparent and professional.”

- Julie & Bob M.

“IMS Settlements was transparent, fast, and deliveredan unbelievable offer for my universal life policy.”

- Maggie M.

Contact Us Today

Real people, real solutions, when you reach out to
IMS Settlements – a member of our team will get right back to you!

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IMS Guarantee

We hold ourselves to the highest standards of service and professionalism. If you are not satisfied with our work or our offers – let us know in writing and we will turn over your file.

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