Offers are based on a number of factors, including life expectancy, premium obligations and prevailing interest rates.

In certain situations, a loan may make more sense than a straight settlement. Generally, this is applicable with larger policy face amounts, smaller immediate cash needs and the desire to preserve the death benefit. Contact Beacon Life Funds today at 855-542-4522 to speak with one of our counselors or fill out our online application.

We strongly recommend working with a licensed broker rather than directly with the potential buyer. As a broker, we will provide you with several offers from which to choose, as opposed to only one if working directly with the buyers. This ensures you are getting the most for your policy. We work strictly on an industry-set percentage fee basis and there are NO other fees or costs.

A recent study of more than 9,000 life insurance policies revealed that people who sold their life insurance policies received, on average, more than four times the amount they would have received had they surrendered them to their life insurance companies.