Life & Viatical Settlements
Unlock the hidden value of your life insurance policy.
The Fiduciary Firm helps you navigate the life settlement process, ensuring you receive the highest possible payout. Discover how we can turn your policy into immediate cash

What is a Life Settlement?
A life settlement involves selling your life insurance policy to a third-party investor for a one-time, lump-sum payment that is typically higher than the cash surrender value offered by your insurance company. This payment is often tax-free, and the buyer takes on the responsibility of paying the premiums.
Life settlements are available to individuals aged 65 and older who have a life insurance policy with a death benefit of $100,000 or more. Whether your policy is term, whole, or universal life, you may be eligible for a life settlement.
How much could you get?
The amount you can receive for your life insurance policy depends on various factors such as your age, health, the policy’s face value, and its terms. At The Fiduciary Firm, we work hard to ensure that we maximize the value of your policy by getting offers from multiple buyers, so you can compare and choose the best option for you.


Negotiating the best deal.
We leverage our extensive network of institutional buyers to create a competitive bidding environment, driving up the offers you receive. Our fiduciary duty means we always prioritize your best interests.
Our experienced negotiators advocate on your behalf, ensuring you receive a fair and optimal settlement. We handle all the complexities, so you don’t have to.
How our process works
Policy review
We start by thoroughly reviewing your policy to assess its potential market value. This includes evaluating the type of life insurance you have, the size of the death benefit, and the policy’s terms. We will also look at your current health status, as this can significantly influence the offers you’ll receive.
Strategic Market Placement
Once we have a clear understanding of your policy’s value, we’ll strategically place your policy in front of multiple buyers within our network. This competitive approach increases the likelihood of receiving multiple offers, which provides you with more options and negotiating power.
Maximize offer negotiation
We don’t just settle for the first offer; our team works tirelessly to negotiate the highest possible offer on your behalf. Our years of experience in the life settlement industry and our in-depth knowledge of the market allow us to secure the best deals for our clients.
Assistance with papework
Navigating the paperwork and legal aspects of a life settlement can be overwhelming. We handle all the documentation for you, ensuring that the transaction is legally sound and that you understand every aspect of the agreement before you sign.
Benefits of Life Settlements
Unlock cash
Life settlements can provide you with a lump sum that can be used to meet immediate financial needs, whether that’s paying for healthcare expenses, funding retirement, or covering other unexpected costs.
No more premiums
Once you sell your policy, you are no longer responsible for paying the premiums, which can be a significant financial burden.
Flexible use of funds
There are no restrictions on how you can use the funds from the life settlement. You can invest it, save it, or spend it as you wish.
Tax Advantageous
The proceeds from a life settlement may be partially tax-free, depending on the circumstances. Our team will work with you and your tax advisor to determine the tax implications of the sale.
Is a Life Settlement right for you?
A life settlement may be a smart financial solution for those who no longer need or can afford their life insurance policy, or for those who are looking to access a lump sum of cash.
If you’re aged 65 or older, have a life insurance policy with a death benefit of $100,000 or more, and want to explore your options, The Fiduciary Firm can help you evaluate whether a life settlement is right for you.
How much could you get for your Life Policy?
Use our free calculator and get a rough estimate of how much you could get for your life policy

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Unlock your life policy potential
If you’re considering a life settlement, reach out to The Fiduciary Firm today for a no-obligation consultation. Our team of experts will evaluate your policy, answer all of your questions, and help you determine the best path forward.
Let us help you unlock the true value of your life insurance policy!