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.


Why Choose Us Over Investor-Backed Competitors?

It may be hard to believe, but many competitors offer low initial payouts because they count on seniors not knowing the true value of their life insurance policies. These companies are investor-funded and profit-driven—they invest their own money and must earn it back, often at your expense.


We’re different. We don’t invest our own money, and we don’t get paid unless you do. Our fees are based solely on performance, not profit. That means we’re fully aligned with your best interests.


Here’s what sets us apart:

  • No upfront costs. No settlement, no fee.
  • A nationwide network of trusted buyers.
  • Experienced legal and insurance professionals who negotiate aggressively to get you the highest possible bid.
  • Secure escrow accounts and ethical disbursement of your funds.


We’re not here to make a quick profit—we’re here to protect your value and maximize your payout.

Dramatic Differences between Heritage and Our Competitors

Most people don’t realize that our competitors are investor-backed groups focused on profit. Their substantial advertising costs and need for returns often result in lower offers for your policy.


Heritage is different.
We’re an established law firm—not an investment group. We don’t front money, and we don’t get paid unless you do. Our modest contingency fee is based entirely on
performance, not profit.


Competitors often start with low offers, counting on seniors being unaware of their policy’s true value. We counter that by leveraging a nationwide network of trusted buyers and having our experienced legal team negotiate aggressively to secure the highest possible bids.

No settlement, no fee.
We’re here to protect your interests and maximize your payout—not to profit off your policy.

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.

Resume of Alan Buckholtz

  • 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. 

American Bar Association