Your policy may be worth more than you think.

If you are over 70 and your premiums have become a burden — or the coverage no longer serves its original purpose — your policy may qualify for a life settlement worth substantially more than its surrender value.

Signs it's worth exploring

  • Premiums competing with living expenses
  • The people the policy was bought to protect no longer need it
  • A term policy approaching its conversion deadline
  • You are considering lapse or surrender for any reason

How the process works

Life settlements are conducted through state-licensed providers and brokers who represent you, obtain competing offers, and operate under state insurance regulation.
The process typically involves a policy review, independent life-expectancy assessment, competing bids, and a regulated closing with funds in escrow.
Important, stated plainly: Nemi Capital is an institutional purchaser.
We do not buy policies directly from policyholders. But we’re glad to point you and your advisor to the licensed starting point — reach out below.

For financial advisors and insurance professionals

A lapsing policy is a client-service failure hiding in plain sight. If you advise senior clients, the settlement option belongs in every policy review. We are glad to be a resource on how the process works and where the institutional market stands.

FAQ

Yes. Since Grigsby v. Russell, 222 U.S. 149 (1911), a life insurance policy is transferable property under U.S. law. Life
settlements are regulated in the vast majority of states through licensed providers and brokers.

Published research and market data have historically shown life settlements paying several times a policy’s cash surrender value — in aggregate studies, four to nine times. Each policy is priced individually on age, health, premiums, and face value.

Licensed life settlement providers purchase policies from owners, typically on behalf of institutional investors. The policyholder deals only with licensed, state-regulated counterparties.

The buyer takes over all premium payments and becomes the policy’s beneficiary. You receive your payment at closing, through escrow, and have no further obligations.

Reputable licensed brokers and providers evaluate policies at no upfront cost. Be wary of anyone charging fees before an offer.