Advanced Settlements is devoted to educating and aiding consumers in selling their life insurance policies to a third party for more than the policy's cash surrender value. By working with financial professionals, attorneys and charitable organizations, Advanced Settlements goes out and gets multiple offers for your life insurance policy so that you get the highest possible life insurance settlement.

Although selling a life insurance policy is a complicated transaction, Advanced Settlements can still get you some quick answers right now. Use the Life Settlement Policy Evaluator to get an idea of what your policy is worth. The tool provides a reasonable estimate of your life insurance policy's market value. Owners of variable policies can receive a quick evaluation of their policy's market value by calling 1-800-561-4148.

Life settlements usually are a good option for seniors with high net-worth policies. If a life insurance policy is no longer needed or wanted, you now have recourse—you can sell the policy to someone else and get rid of your current monthly premiums.

A life settlement also allows you to:

• Get Cash Now. Receive an amount above the surrender cash value of the policy.
• Protect Your Assets. Remove a policy from an estate due to a reduction in size or projected tax liability.

A life settlement allows you to use your money as you want. Free up funds spent on premiums and you can see to your or your beneficiary's future needs by:

• Financing Long-term Care. Make sure your future medical needs will be addressed.
• Obtaining a Policy that Works for You. Fund new, more cost-effective life insurance like a survivorship policy.
• Providing Cash Gifts. Give family or friends something now rather than later.
• Providing Liquidity for Other Investments. It's your money—make the investment choices you want.
• Providing Funds for Charity. Use the funds for charitable giving or to establish a charitable remainder trust.