Your California Life Insurance Policy
May Be Worth 4–8× More Than You Think
Many California seniors let valuable policies lapse or surrender them for pennies on the dollar. A licensed life settlement gets you significantly more — often $100,000+ on qualifying policies.
Life Settlements in California: What You Need to Know
⚖️ California Regulations
California regulates life settlements under California Insurance Code §10113.1 et seq. (the CA Life Settlement Act). All brokers must be licensed by the California Department of Insurance (CDI). California's 30-day rescission period is among the longest in the nation — giving sellers extra protection.
💡 Why California Seniors Sell
California's high cost of living — housing, healthcare, and taxes — makes life settlements especially valuable. Many seniors find premium payments unsustainable in retirement. A settlement converts a policy liability into cash for care, living expenses, or legacy goals.
💰 Tax Considerations
California taxes life settlement proceeds above your basis at both federal and state income tax rates. California's top state rate is 13.3%. However, you still receive significantly more than the cash surrender value — and proper planning can minimize your tax exposure. We recommend consulting a CPA.
Serving California Policyholders Statewide
Does Your California Policy Qualify?
Find Out What Your California Policy Is Worth
Answer 3 quick questions and Rodney will provide a free, no-obligation policy valuation within one business day.
Find Out What Your California Policy Is Worth
Answer a few quick questions so we can match you with the best options — takes about 2 minutes.