Sell your life insurance policy for cash, often in days, not months.
Cancer patients receive 30-60% of policy face value. Tax-free under IRS §101(g) for qualifying diagnoses. Free eligibility check, no obligation.
Start with what fits your story
Each path leads to a guide written for that exact situation.
By cancer type
Payout ranges and considerations specific to your diagnosis.
Explore by cancer → By locationBy state
State rules, Medicaid asset limits, and licensed providers in your area.
Find your state → Free toolPolicy value calculator
Estimate your settlement range in 60 seconds. No email required.
Run the calculator → Tax guideIRS §101(g) tax treatment
When proceeds are tax-free, when they aren’t, and how to qualify.
Read the guide → BenefitsMedicaid & SSI impact
How a settlement affects means-tested benefits and how to protect them.
See the rules → LibraryPatient & family library
Guides, white papers, glossary, and downloads.
Browse resources →Guides written for your diagnosis
Payout ranges, eligibility, and timelines vary by cancer type and stage. Find yours.
State-specific rules & payouts
Each state has its own licensing, rescission window, and Medicaid asset limits.
Three steps, no upfront cost
Check eligibility
Answer four questions about your policy and diagnosis. No medical records, no credit check.
Get a free valuation
Licensed providers evaluate your policy. You receive written offers within 2-4 weeks.
Receive funds
If you accept, funds wire in 30-60 days. Often tax-free under IRS §101(g).
Life settlement vs. surrender vs. lapse vs. loan
Same $500,000 policy. Same cancer patient. Four very different outcomes.
| Option | Typical payout | Tax treatment | Timeline |
|---|---|---|---|
| Let policy lapse | $0 | N/A | Immediate |
| Policy loan | $15K – $40K | Generally non-taxable | 2-4 weeks |
| Surrender to insurer | $20K – $60K | Partially taxable | 2-4 weeks |
| Life settlement | $150K – $300K | Partially taxable | 60-120 days |
| Viatical settlement | $250K – $400K | Tax-free §101(g) | 30-60 days |
We are honest, even when the answer isn’t to sell.
A life settlement isn’t right for everyone. Sometimes a policy loan, accelerated death benefit, or simply keeping the policy is better. Here are three real cases where we recommended a patient walk away.
Read full case studiesThe patient’s policy had a $250K ADB that pays tax-free with less paperwork. Net was within $15K of our offer, without medical records.
A lump-sum would have disqualified the patient from Medicaid. Trust setup wasn’t time-feasible given treatment schedule.
The patient needed $40K, not the full payout. A policy loan covered the need without surrendering the death benefit for the spouse.
Make this decision together
Most patients want a spouse or adult child involved. Here’s how to bring them in.
Loop in family
Send a private, read-only copy of your estimate to a spouse or adult child. They can review the numbers and join the call.
Share your estimate →Caregiver guide
A short PDF for the family member helping with the decision. Questions to ask, what to watch for, what to expect.
Download the guide →Resources for patients, families, and advisors
Plain-English guides. No email required.
Patient’s Guide to Life Settlements
A 24-page walk-through of every step, plus the questions to ask before signing.
Download free →IRS §101(g): Tax treatment
When settlements are tax-free, the certification process, and state-by-state variations.
Read the guide →Protecting Medicaid & SSI
Asset limits, trust structures, and what to set up before proceeds arrive.
Read the guide →Resources for patients, families, and advisors
Plain-English guides. No email required.
Patient’s Guide to Life Settlements
A 24-page walk-through of every step, plus the questions to ask before signing.
Download free →IRS §101(g): Tax treatment
When settlements are tax-free, the certification process, and state-by-state variations.
Read the guide →Protecting Medicaid & SSI
Asset limits, trust structures, and what to set up before proceeds arrive.
Read the guide →Common questions, answered honestly
How much is my life insurance policy worth if I have cancer?
Cancer patients typically receive 30-60% of policy face value. For terminal diagnoses qualifying under IRS §101(g), offers reach 50-80%. On a $500,000 policy, that’s $150,000-$400,000 in cash, often tax-free.
Is the cash from a viatical settlement taxable?
For cancer patients certified as terminally or chronically ill, proceeds are excluded from federal income tax under IRS §101(g). Most states follow federal treatment.
Will a life settlement affect my Medicaid or SSI?
It can. Medicaid and SSI are means-tested with strict asset limits. Specialized trusts can preserve eligibility but must be set up before proceeds arrive.
How long does the process take?
Eligibility check: 30 seconds. Free valuation with written offers: 2-4 weeks. From offer acceptance to funds: 30-60 days.
What if my policy is a term policy?
Many term policies are eligible if they have a conversion option. We’ll check this during the eligibility review.
Is there any cost to find out?
No. Eligibility checks, valuations, and offers are free with no obligation.
See what your policy is worth.
Thirty seconds to find out. No medical records, no credit check, no cost.