Partner with an Experienced
Life Settlement Broker

IMS Settlements is a leading Life Settlement Broker who can assist you in selling your Life Insurance Policy for cash in a smooth and transparent manner.

There are many reasons a Life Settlement may be right for You:

Premiums Become Too Expensive

You No Longer Need Life Insurance

Increased Medical Expense or Emergency

Changing Estate Planning Needs

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.


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:

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.

Life Settlement Success Story

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.

Connect with IMS Settlements

Contact Information

1900 MacArthur Blvd, Suite 450
Irvine, CA 92612
(888) 560-4255
CA Lic#:0N09906

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