Sell Your

Life Insurance Policy For Cash

Free Consultation

No Settlement - No Fee

Can I get cash for my life insurance policy?

  • Yes. It's an asset that can be sold just like your home. 
  • Policyowners frequently outgrow the usefulness of their life insurance. Unfortunately, many people let their insurance policy lapse and lose the benefit of all the premiums paid over the years. Heritage turns your life policy into cash.
  • A Life Settlement is a more lucrative option than lapsing or surrendering a life insurance policy. It provides 4 to 6 times more than the cash surrender value.




Our competitors invest their own money and we don't.

The only way they make a profit is to pay you less cash


We charge a reasonable contingency fee based on results

Therefore, we have an incentive to get you more cash


Our insurance/legal experts negotiate for our clients to

obtain the highest bid from a national network of buyers 


    Your settlement funds are placed in a secure escrow account,

    from which they are disbursed for your benefit adhering to the

       highest ethical standards governing the insurance/legal professions

NO SETTLEMENT – NO FEE





Heritage Life Settlements


Heritage


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we have no conflict of interest



we havhe highest bid from our national network of buyers. e an incentive The only way they can make ato get you more cash Thethe

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Dramatic Differences between Heritage and Our Competitors

The public doesn't realize that all of our competitors are investor groups who must pay you less  because of their substantial advertising expenses and need to make a profit. On the other hand, we are an established law firm protecting you from these lowball offers and charge a modest contingency fee only when you get paid, based on results only.

They invest their own money and we don't.

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Competitors' Initial Offers vs. Heritage Final Settlement


$10,000...............$200,000

            $20,000...............$80,000                          $20,000.............$230,000               $10,000.............$180,000*

(Still Negotiating)

It may be hard to believe, but our competitors offer so little in the beginning because they know that senior folks are unaware of the value of their policies and these companies make a PROFIT. They invest their own money and we don't.  We don't have to worry about profit. Our fees are based on PERFORMANCE. We have a nationwide network of purchasers and our  lawyers diligently negotiate bids from all over the country to get you more cash.

No Settlement – No Fee

Why Sell Your Policy? 


  • Receive a cash infusion for whatever
  • Stop paying expensive premiums
  • Debt consolidation, home improvements, travel, etc.
  • Retain a portion of your coverage without paying future premiums.


To Qualify:


  • Policy: Death benefit must be at least $100,000.
  • Age: 65 or older. Younger individuals with significant health conditions may also qualify.
  • Policy Type: Permanent life insurance policies like Whole Life, Universal Life or Term.

New Title

Law Offices of

  • Judge Pro Tem, LA Superior Court
  • Prosecutor, LA County DA's Office
  • Lecturer, USC - Masters' Insur. Course
  • Over 500 Court and Jury Trials
  • LA Superior Court Mediator


  • LA County Small Bus. Commissioner
  • Arbitrator, American Trial Lawyers
  • Apptd. LA County Tax Appeals Board
  • Certified for Calif./Federal Courts
  • Consultant to Major Law Firms


Alan Buckholtz
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Personalized Attention

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No Settlement – No Fee

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35+ Years Experience

Law

Confidentiality, Transparency

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Free Consultation

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Heritage Life Settlements FAQs

Have a Life Settlements-related question?  Check out these FAQs and give us a call today for more information!

  • What is a life settlement?

    A life settlement is a financial transaction in which a policyowner sells an unneeded life insurance policy for more than its surrender value.

  • How can a life settlement help me?

    Selling your policy can supplement your retirement income, free up cash that was being used to pay premiums, fund a long-term care policy, cover unexpected medical expenses or pay off debt. You can use the money for anything you choose.


    And if you still need insurance, you can retain a portion of your coverage while eliminating your ongoing premium payments.

  • What types of life insurance policies can be sold?

    Most types of life insurance qualify, including universal life, whole life, variable life, survivorship, group life and even term life.

  • How much can I expect to receive if I sell my policy

    Those who choose to sell their life insurance policy receive on average more than four times what they would receive from surrendering their policy back to the life insurance company. (London Business School Study, June 2013). However, every case is different. The size of the payment is determined by factors such as your health, the type of insurance policy you have and the policy’s premiums.

  • Why doesn't Heritage Life Settlements use a life settlement calculator?

    Life settlement calculators are commonly misleading to owners of insurance policies. They only provide rough estimates of value that are often incorrect. We refuse to do anything that would mislead our clients.


    The most honest approach is that of Heritage by focusing directly on clients' individual circumstances.

  • Can I use the cash from selling my policy any way I want?

    YES!

  • Do I qualify for a life settlement?

    If your life insurance policy is at least $100,000 and you have had an adverse change in health, you may qualify to sell your policy.

  • Can I sell a portion of my life insurance?

    Yes, you can sell your policy, eliminate premium payments and keep a portion of the death benefit.

  • Is my information kept confidential?

    YES, always. 

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