Sell your
life insurance policy

Stop paying premium payments, and start enjoying the money locked in your life insurance policy.

Get Started

Encore Life is a dedicated team of experts who help people get cash for their universal, whole or term life insurance policies. If you no longer need your life insurance policy or cannot afford the premium payments, we can help you navigate selling your policy to support retirement, medical expenses or long-term care needs.

Get Started

What Makes Encore Life Different

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We help you understand the value of your life insurance policy and cash options based on your financial needs, so you can make the right decision for you and your family.

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Expert Support

We’re industry experts with years of experience in life insurance settlements. You will have a friendly and knowledgeable Customer Advocate dedicated to your account who will guide you through the process and help you get the best price for your policy.

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We make selling your life insurance policy as quick and simple as possible — doing the heavy lifting and keeping you informed every step of the way.

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No Commissions

Unlike brokers or other life insurance settlement companies, we connect you directly with buyers — eliminating broker fees. By going through less intermediaries, we help ensure your offer results in the most cash possible for you and your family.

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Trusted Partner

Encore Life partners with world-class life settlement investors and companies. We are dedicated to integrity, sound business practices and regulatory compliance.

Get Cash for Your Life Insurance Policy

People like you have gotten thousands of dollars for their life insurance policies.

$260,000 cash pay out for expiring term life policy

A 63-year-old man had a $1.5 million term life insurance policy that was about to expire, which had been protecting his family during his working years. If the policy had lapsed, he would have gotten nothing in return for 20 years of paid premiums. Instead, he received $260,000.

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$245,000 cash pay out for too much life insurance coverage

A 77-year-old woman had two universal life policies. She wanted to maintain some coverage for her family’s needs but reduce premium expenses. The family kept the less expensive policy and sold the $1 million policy for nearly 8x what the carrier offered.

close-up of an elderly woman smiling

$29,000 cash pay out for unaffordable universal life policy

A 91-year-old woman had a $100,000 universal life policy that she and her family could no longer afford. They had $0 in cash value and were about to let the policy lapse — which would have resulted in no money for her and her family. They were able to use the $29,000 received from the life settlement toward necessary care.

old woman smiling

Ready to talk to an expert?

Stop paying premium payments, and start enjoying the money locked in your life insurance policy.


Determine how much your policy is worth.


Verify policy details and health information


Receive an offer for your policy.


Close on your life insurance policy sale.


Receive payment for your life insurance policy.


How to Sell Your Life Insurance Policy

Encore Life makes it as easy as possible to understand your options and sell your life insurance policy to a trusted provider. Here’s what you can expect.

Get a quick, no-obligation value estimate.

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Frequently Asked Questions

Are you interested in learning more about how to sell your life insurance policy? We’ve answered many of the frequently asked questions from people just like you.